Credit Underwriter Sr - Inventory Finance

Overview

The Credit Underwriter – Sr. Inventory Finance will analyze and monitor creditworthiness of assigned customers/accounts, recommending or approving credit within established guidelines, and handling all related documentation and analysis.

• Underwrite high‑quality credit narratives for new and existing loans.
• Review and analyze applications, financial statements, balance sheets, D&B reports, and other relevant documentation.
• Spread business financial statements and tax returns using Moody's software to analyze multi‑year trends and ratios.
• Identify cash flow sources from operations, distinguishing recurring and non‑recurring items.
• Research industry trends and risks related to assigned accounts.
• Perform collateral analysis for accounts receivable, inventory, real estate, and investments.
• Run credit reports and gather and analyze KYC information.
• Spread personal financial statements and tax returns for individual guarantors; develop borrower and guarantor global cash‑flow analysis.
• Work with other areas to monitor delinquency, delinquency trends, and repossession activity.
• Conduct annual financial‑statement follow‑up to borrowers and track receipt of updated information by the bank.
• Prepare written recommendations on loan approval and alternate loan structures.
• Present recommendations to the loan committee for approval.
• Communicate decisions to stakeholders.
• Perform additional duties as assigned.

• Bachelor’s degree in Finance, Accounting, Business, or related field.
• At least 3 years wholesale/commercial credit underwriting experience.

• Master’s degree.
• Detail‑oriented with strong analytical skills, including cash‑flow, leverage, and customer strength assessment.
• Experience underwriting deal sizes ranging from 2million to 10million dollars.
• Experience lending to a wide variety of industries, loan types, and company sizes.
• Strong written and verbal communication and presentation skills.
• Demonstrated ability to make sound business judgments while protecting the bank’s interests.
• Strong technical and quantitative skills.

The position is primarily office‑based, with flexible work arrangements available. Certain roles may offer hybrid arrangements that combine office presence with remote work.

• Health insurance coverage.
• Wellness program.
• Life and disability insurance.
• Retirement savings plan.
• Paid leave programs.
• Paid holidays.
  
  Paid time off (PTO).

Applicants must be authorized to work in the United States on a full‑time basis. Huntington is an Equal Opportunity Employer. The company follows a Tobacco‑Free Hiring Practice. Exempt Status:
Yes (not eligible for overtime pay).