Huntington Commercial Bank

Underwrite and manage complex commercial credit relationships with advanced credit expertise and mentor junior team members. | Bachelor's degree and 7+ years commercial credit analysis experience, preferably with equipment finance underwriting. | Description This position is available to be filled at any Huntington Bank Corporate office location. The Commercial Portfolio Manager III – Equipment Finance serves as a senior-level credit professional responsible for underwriting and managing large, complex credit relationships. This role demonstrates advanced credit expertise, exercises independent judgment in evaluating credit risk, and serves as a trusted resource to peers, relationship managers, and credit leadership. In addition to underwriting responsibilities, the Commercial Portfolio Manager III provides guidance and mentorship to junior team members, assists with process improvement initiatives, and contributes to the overall quality and consistency of credit decisioning across the portfolio while adhering to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends. Duties And Responsibilities • Independently underwrite complex large-ticket equipment finance lease / loan facilities. • Perform comprehensive analysis of borrower financial statements, cash flow generation, leverage, liquidity, collateral coverage, and repayment capacity. • Assess qualitative and quantitative risk factors, including industry dynamics, competitive positioning, management strength, customer concentration, and operational performance. • Prepare and present detailed credit recommendations and underwriting memoranda for approval authorities. • Serve as the primary credit resource for complex, high-exposure, or specialized transactions requiring advanced analytical expertise. • Evaluate transaction structure, collateral position, guarantor support, and other risk mitigants to ensure alignment with Huntington’s risk appetite. • Recommend risk ratings and monitor relationships for material changes in financial condition, collateral position, or overall credit profile. • Partner closely with assigned Relationship Managers, Sales personnel, Credit Officers, Legal, Operations, and other stakeholders to facilitate sound credit decisions while supporting business objectives. • Provide thoughtful challenge to transaction assumptions and identify emerging risks that may impact credit quality. • Mentor and provide technical guidance to Credit Analysts, Portfolio Managers, and Senior Portfolio Managers, including review of analyses, coaching, and knowledge sharing. • Assist management with training, onboarding, and development of less experienced team members. • Serve as a subject matter expert for underwriting policy, financial analysis, industry research, and credit structuring matters. • Support special projects, strategic initiatives, portfolio reviews, regulatory examinations, and internal audit requests. • Identify opportunities to improve underwriting efficiency, consistency, and risk management practices. • Act as a resource for escalated credit matters and assist management in evaluating complex risk scenarios and exception requests. • Maintain a high level of awareness regarding economic conditions, industry developments, regulatory changes, and emerging credit risks. • Performs other duties as assigned. Required Qualifications • Bachelor's Degree in Accounting, Finance, or related field. • 7+ years of experience in commercial credit analysis. Preferred Qualifications • Previous equipment finance underwriting experience. • Strong interpersonal skills and solid written/verbal communication. • Ability to prioritize workflow and multi-task in a fast-paced environment. • Sound judgment and the ability to balance risk management objectives with business considerations. • CLFP designation. #CML Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range $83,700 - $208,000 Annual Salary The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education.  Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.  In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

Underwrite and manage complex commercial credit relationships with advanced credit expertise and mentorship duties. | Bachelor's degree and 7+ years commercial credit analysis experience required, equipment finance experience preferred. | Description This position is available to be filled at any Huntington Bank Corporate office location. The Commercial Portfolio Manager III – Equipment Finance serves as a senior-level credit professional responsible for underwriting and managing large, complex credit relationships. This role demonstrates advanced credit expertise, exercises independent judgment in evaluating credit risk, and serves as a trusted resource to peers, relationship managers, and credit leadership. In addition to underwriting responsibilities, the Commercial Portfolio Manager III provides guidance and mentorship to junior team members, assists with process improvement initiatives, and contributes to the overall quality and consistency of credit decisioning across the portfolio while adhering to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends. Duties And Responsibilities • Independently underwrite complex large-ticket equipment finance lease / loan facilities. • Perform comprehensive analysis of borrower financial statements, cash flow generation, leverage, liquidity, collateral coverage, and repayment capacity. • Assess qualitative and quantitative risk factors, including industry dynamics, competitive positioning, management strength, customer concentration, and operational performance. • Prepare and present detailed credit recommendations and underwriting memoranda for approval authorities. • Serve as the primary credit resource for complex, high-exposure, or specialized transactions requiring advanced analytical expertise. • Evaluate transaction structure, collateral position, guarantor support, and other risk mitigants to ensure alignment with Huntington’s risk appetite. • Recommend risk ratings and monitor relationships for material changes in financial condition, collateral position, or overall credit profile. • Partner closely with assigned Relationship Managers, Sales personnel, Credit Officers, Legal, Operations, and other stakeholders to facilitate sound credit decisions while supporting business objectives. • Provide thoughtful challenge to transaction assumptions and identify emerging risks that may impact credit quality. • Mentor and provide technical guidance to Credit Analysts, Portfolio Managers, and Senior Portfolio Managers, including review of analyses, coaching, and knowledge sharing. • Assist management with training, onboarding, and development of less experienced team members. • Serve as a subject matter expert for underwriting policy, financial analysis, industry research, and credit structuring matters. • Support special projects, strategic initiatives, portfolio reviews, regulatory examinations, and internal audit requests. • Identify opportunities to improve underwriting efficiency, consistency, and risk management practices. • Act as a resource for escalated credit matters and assist management in evaluating complex risk scenarios and exception requests. • Maintain a high level of awareness regarding economic conditions, industry developments, regulatory changes, and emerging credit risks. • Performs other duties as assigned. Required Qualifications • Bachelor's Degree in Accounting, Finance, or related field. • 7+ years of experience in commercial credit analysis. Preferred Qualifications • Previous equipment finance underwriting experience. • Strong interpersonal skills and solid written/verbal communication. • Ability to prioritize workflow and multi-task in a fast-paced environment. • Sound judgment and the ability to balance risk management objectives with business considerations. • CLFP designation. #CML Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range $83,700 - $208,000 Annual Salary The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education.  Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.  In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

Lead and manage a team to source, structure, and close asset-based lending deals with private equity sponsors and syndications. | Requires 10+ years in asset-based lending, sponsor finance, or capital markets with team management experience and strong negotiation skills. | Description This position can be located in our Chicago, New York, Dallas, or Charlotte locations. Summary The Managing Director and Team Lead of Asset-Based Lending (“ABL”) Sponsor & Capital Markets, manages a team of Business Development Officers (“BDOs” or “BDO team”) who focus on sourcing, structuring, and closing (i) Admin Agency and Sole Bank asset‑based lending opportunities owned by Private Equity (“sponsor”) and (ii) participations in syndicated sponsor and non-sponsor asset-based loans managed by other financial institutions. This role is responsible for executing strategic growth initiatives, developing and maintaining strong relationships with (i) internal Sponsor Coverage & Capital Markets partners, (ii) directly with private equity sponsors, intermediaries, and bank syndication teams and, (iii) partnering with internal credit, and product teams to deliver high‑quality financing solutions. The Team Lead drives market penetration while ensuring disciplined credit, efficient execution, and a best‑in‑class client experience. Duties And Responsibilities Market Strategy & Leadership • Leads a team of Business Development Officers responsible for sourcing and closing private equity owned asset-based loans and participations in syndicated asset-based loans. • Serves as the primary point of contact for internal partners including Sponsor Coverage, Capital Markets, and ABL leadership teams. • Develops and executes Huntington’s private equity ABL growth strategy, aligning with broader corporate goals and partnership. • Develops and executes Huntington’s participation strategy and calling efforts with peer bank asset-based bank syndications teams. • Provides coaching, performance management, and development planning for BDOs to ensure strong individual and team results. Business Development & Relationship Management • Oversee all aspects of new business origination, including prospecting, sponsor coverage (internal and external), arranger relationships, peer bank syndication coverage, and deal sourcing. • Manage and grow strategic relationships with internal partners, private equity firms, investment banks, financial advisors, peer bank syndication teams, and other market influencers. • Guides the team in organizing and executing calling efforts, marketing initiatives, including networking events, sponsor roadshows, and Huntington-branded programming. • Ensure consistent and high-quality outreach activity within assigned markets. Deal Execution & Credit Process • Oversee underwriting preparation, including review and refinement of prescreens, proposal letters, and detailed underwriting materials. • Oversee the credit approval process, participating in credit committees and collaborating with underwriting and relationship and portfolio teams. • Assists BDO and relationship and portfolio teams in documentation negotiation and ensures all conditions precedent are satisfied prior to closing. • Ensures that deal structures appropriately balance sponsor objectives with Huntington’s credit standards. Internal Collaboration • Builds and maintains strong internal relationships with internal bank partners including Sponsor Coverage, Capital Markets, Credit, Portfolio Management, and product specialists. • Facilitates communication across teams to ensure seamless execution of transactions. • Ensure consistent pipeline reporting, forecasting, and transparent communication with ABL and bank leadership. Compliance & Governance • Ensures all team activities comply with regulatory requirements, internal policies, and risk frameworks. • Identifies emerging market risks and trends, advising leadership on potential impacts and strategic adjustments. Other • Performs other duties as assigned. Basic Qualifications • Bachelor’s Degree. • 10+ years of asset-based lending, sponsor lending, finance, or capital markets experience. • Deep understanding of private equity-backed transactions and syndication processes. • Manage teams that negotiate complex sole and administrative agent asset-based lending capital structures including: ABL only, ABL and Split Lien Term Loans (private credit and syndicated markets), ABL and Bond, ABL and Junior Capital and ABL First Out in a Uni-Tranche structure. • Strong negotiation skills, including documentation and structuring expertise. • Excellent communication and executive-level presentation skills. • Demonstrated ability to build and maintain long-term internal partner, sponsor, and intermediary relationships. Preferred Qualifications • 12+ years of experience within asset-based lending, sponsor finance, leveraged finance, or capital markets. • Prior leadership or team management experience. #CML Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range $125,000 - $255,000 Annual Salary The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education.  Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.  In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.