HLC Credit Analyst II

Huntington Bancshares
Houston
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 1+ yearsEducation: bachelorsSkills: ["Critical thinking","Customer service","Independent decision-making","Organizational skills","Written and verbal communication"]

Monitor and underwrite loans in the Regional Bank Business Loan Portfolio, using independent judgment to provide credit recommendations. Analyze complex financial statements, borrowing bases, covenant compliance, and waiver requests, including managing assigned covenant/borrowing base violations. Track upgrade/downgrade processes with credit commentary, support monthly reporting compliance, and coach peers on business and personal financial analysis, credit policy, ratios, and business writing.

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Huntington Bancshares
Huntington Bancshares
4 hours ago

HLC Credit Analyst II

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Last checked: 4 hours agoStatus: Live

Job Summary

Monitor and underwrite loans in the Regional Bank Business Loan Portfolio, using independent judgment to provide credit recommendations. Analyze complex financial statements, borrowing bases, covenant compliance, and waiver requests, including managing assigned covenant/borrowing base violations. Track upgrade/downgrade processes with credit commentary, support monthly reporting compliance, and coach peers on business and personal financial analysis, credit policy, ratios, and business writing.
Location: Houston
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Entry level

Key Responsibilities

  • •Monitor and underwrite loans in the Regional Bank Business Loan Portfolio and provide credit recommendations.
  • •Assess borrowers’ financial condition related to debt service, covenant and borrowing base compliance, and early warning factors.
  • •Underwrite simple credit requests within the SOR and explain approval/decline decisions.
  • •Review and analyze complex, high-dollar financial statements/spreads, borrowing bases, covenant compliance, and waiver requests.
  • •Manage covenant/borrowing base violations and support monthly reporting compliance, including coaching and training peers.

Key Requirements

  • •Bachelor’s degree
  • •1+ years’ experience with business or commercial banking in a centralized lending environment
  • •Proven experience reviewing and analyzing financial data
  • •Experience reviewing and analyzing financial statements, borrowing bases, and covenant compliance
  • •Ability to work independently on multiple tasks without compromising quality
Experience:1+ yearsCommercial bankingLendingBusiness banking
Education:Bachelor's in Finance, Accounting, Business Administration, or Business/Data Analytics
Skills:Critical thinkingCustomer serviceIndependent decision-makingOrganizational skillsWritten and verbal communication
Tech Stack:Microsoft Office

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Huntington Bancshares
Regional bank holding company providing commercial and consumer banking, payments, wealth management, and lending services across the Midwestern and select other U.S. markets. It serves individuals, small businesses, and corporate clients through branches and digital channels.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Columbus, United States
Founded: 1866
WebsiteLinkedIn