Credit Portfolio Risk Analyst, Senior (BIN Sponsorship)

The Credit Portfolio Risk Analyst, Senior (BIN Sponsorship) services, deepens, and retains assigned profitable customer relationships by proactively evaluating and mitigating associated business risks and opportunities, per established Huntington policies, procedures, and Guiding Principles. Duties and Responsibilities: Services, deepens, and retains assigned profitable customer relationships by pro-actively evaluating and mitigating associated business risks and opportunities, per established Huntington policies, procedures, and Guiding Principles. Owns primary responsibility for the credit and monitoring of FinTech portfolio risks. Underwrites quality, portfolio administration, and credit quality of assigned portfolio working directly with the Segment Risk Manager, Sr and Segment Risk Officer. Underwrites complex and large credit requests for prospects and clients. Possesses a mastery of client and industry expertise, analyzes company performance and the impact of industry and competitive dynamics and macroeconomic events on the creditworthiness of prospects and clients. Accountable for risk evaluation and associated regulatory compliance requirements. Provides independent, in-depth analysis of financial statements, projections, and business plans; identifies and mitigates key risks. Design and implement strategies to mitigate identified risks, including establishing credit limits, collateral requirements, and monitoring merchant transaction behaviors. As appropriate, assists in optimizing customer relationships working directly with Relationship Managers, Treasury Management, and other colleagues to effectively grow fees, deposits, and portfolio revenue by presenting practical Huntington financial solutions to customers. Accountable for and manages assigned portfolio by monitoring performance and trends, identifying issues, and following through for remediation. Responsible for financial statement spreading, risk rating integrity, periodic reviews, annual reviews, compliance, and regulatory review. Maintains an extensive level of knowledge of corporate banking, investment banking, and commercial banking solutions, in addition to market trends and business drivers. Understands and articulates industry trends, patterns in the economy, and the implications thereof, and proactively shares information across the organization. Manages a large portfolio of complex/levered clients and takes a leadership role in activities outside of day-to-day portfolio responsibilities. Mentors Credit Analysts and junior-level Portfolio Managers. Performs other duties as assigned. Basic Qualifications: Bachelor's Degree or equivalent education and/or experience. 5+ years of related experience in credit portfolio risk analysis.