Credit Products Analyst

Job Description

Analyst – Corporate & Specialty Banking | Huntington National Bank

The Tone:
This is an entry-level, full-time role at Huntington National Bank, primarily located in an office setting with potential for flexible work arrangements. Huntington National Bank is a financial institution where this role is crucial for supporting the Corporate & Specialty Banking (CSG) Credit Products team’s ongoing portfolio management and underwriting activities. The Analyst will develop foundational skills in credit and market analysis, including cash flow modeling and industry research, and will collaborate with internal partners like Relationship Management and Capital Markets. This position serves as a critical developmental step for colleagues seeking careers in Portfolio Management, Relationship Management, Credit, Capital Markets, or other commercial banking roles.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: Office
• Pay: $52000–$101000 yearly
• Team: CSG Credit Products Portfolio Management team
• Mission: This person will analyze and summarize the creditworthiness of clients and prospects to support ongoing portfolio management and underwriting activities.

What You’ll Actually Do
• Assess Creditworthiness: Gather and analyze financial and business information to determine creditworthiness for loan and credit products.
• Manage Portfolios: Complete financial spreads, risk rating, performance tearsheets, compliance testing, and other ongoing portfolio monitoring and maintenance activities.
• Perform Underwriting: Underwrite complex commercial loans, conducting financial statement analysis, collateral analysis, financial modeling, and risk evaluation in accordance with credit policies.
• Conduct Research: Perform industry and market research, distilling key themes and conclusions into concise summaries for presentation purposes.

The Must-Haves
• Background: Bachelor’s Degree in Finance, Accounting, or a related field; this is an entry-level position.
• Experience: 0 – 2 years of experience in an underwriting or commercial banking environment.
• Skills: Ability to obtain FINRA Series 79, 63, or other necessary combination within 4 months of hire; strong analytical skills for cash flow analysis, financial statements, and collateral; proficiency in financial modeling and industry research; understanding of credit policy and legal documentation.