Description

Huntington National Bank is seeking a Credit Risk and Analytics Senior Manager within the Credit Administration function (Second Line of Defense). This role provides independent oversight and analytical insight across a broad and dynamic portfolio suite, including:

Consumer Lending (secured/unsecured)Auto FinanceResidential MortgageCredit CardRecreational Vehicle / Marine LendingRegional Business Banking (up to $50MM annual revenue / $25MM credit exposure, conventional & SBA)FinTech Partnerships (digital originations, embedded finance, alternative underwriting)Portfolio Acquisitions (purchased loan portfolios, digital or bulk whole-loan acquisitions)

The senior manager will help ensure sound credit practices, maintain regulatory alignment, and support risk-aware innovation.

Key Responsibilities:

Credit Risk Oversight:

Provide second-line effective challenge on all end-to-end lending functions (e.g., underwriting strategies, credit policy changes, and risk-adjusted returns) across all assigned portfoliosAssess and review risk profiles of loan acquisitions, FinTech originations, and non-core purchase channelsEvaluate growth, optimization, and innovation proposals (e.g., Fintech partnerships, SBA lending, portfolio acquisition strategy) for alignment with risk appetiteAssess collections, bankruptcy, asset management, credit bureau management, and recovery activities to ensure appropriate support and resources for lending strategies

Portfolio Monitoring & Analytics:

Conduct performance monitoring for expected loss vs actual losses, delinquencies, vintage analysis, utilization trends, and early warning indicators across all portfolio segmentsSupport segmentation analysis by originator (e.g., branch, dealer, FinTech, purchased portfolios)Produce actionable insights to mitigate concentration risks and deteriorating segmentsSupport portfolio concentration, lending strategy, and limits activitiesBuild credit risk and optimization strategies using advanced analytics, models, and adaptive control platforms (e.g., agentic AI, credit card authorization, line management, collections)

Governance & Credit Policy:

Assist in writing, reviewing, and maintaining credit policy, risk standards, and governance documentationServe as member and prepare risk presentations for internal committees (Business Unit Credit Committees, Executive Risk Committees) and regulatory reviewsMaintain oversight of policy exceptions, overrides, and decision authority structures across products (e.g., delegated lending authority)

Model Risk & Controls:

Provide model oversight activities for origination and behavioral scorecards, pricing models, and third-party decisioning toolsEvaluate override activity and backtesting of models used in portfolio acquisitions or FinTech programsCollaborate with Model Risk Management and Audit on control compliance and validation schedules

Cross-Functional Leadership:

Partner with Business Unit Leadership, Enterprise Risk, Product, Model Risk, Compliance, Operations, Legal, Finance, and Technology to ensure integrated risk coverageParticipate in due diligence, risk integration, and onboarding of acquired loan portfolios or FinTech partners or other merger & acquisition activitiesProvide risk insights during regulatory exams, audits, and strategic reviewsOther duties as assigned

Required Qualifications:

Bachelor’s degree in Finance, Economics, Analytics, Engineering, Statistics, or related field8 years of experience in credit risk, portfolio analytics, or second-line credit oversight (title commensurate with experience)Familiarity with at least three of the following: consumer lending, auto/RV/marine, mortgage, small business, card, FinTech partnerships, or portfolio acquisitionsProficiency with tools such as SQL, SAS, Python, R, and Tableau or Power BIWorking knowledge of OCC/Federal Reserve/FDIC regulatory requirements, FFIEC, model risk (SR 11-7), and CECL/Basel risk frameworksExcellent communication skills with experience presenting complex credit issues to senior and executive leadership

Preferred Qualifications:

Master’s Degree or equivalent (e.g., MBA, Analytics, Graduate School of Banking)Deep line of business experience, second line credit risk oversightKnowledge of SBA SOP and dealer-based finance channelsExperience in loan portfolio acquisition due diligence or integrationExpertise in model development, artificial intelligence, emerging technologies/fintech

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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:

102,000 - 208,000 Annual Salary

The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance.  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.