DESCRIPTION

As an Associate Director – Corporate Mortgage Finance Group Portfolio Manager, you will be responsible for underwriting CMF Lending facilities, assisting with legal documentation reviews as well as monitoring client performance to ensure compliance with the Policies and Procedures of Huntington’s Corporate Mortgage Finance Group (CMFG).

BASIC QUALIFICATIONS:

• Minimum 2 years of credit experience including underwriting mortgage warehousing lines.
• 4 or more years’ experience in Corporate Mortgage Finance or bachelor’s degree in business related field

PREFERRED EXPERIENCE:

• Proficient written and verbal communication skills.
• 5 or more years of Portfolio Management experience ideally within the mortgage finance industry or other specialty finance areas.
• Formal commercial credit experience, preferably within corporate mortgage finance; proven communication and collaboration skills and excellent organizational skills.
• Experience with the relevant credit analysis and cash flow assessments, documentation and surveillance for each the respective facility types offered by the group.
• Growing understanding of the legal structures for each of the respective facility types offered by the group.
• Strong knowledge of GAAP principles applied to mortgage banking entities.
• Bachelor’s Degree from an accredited institution.
  

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Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
Yes

• Portfolio Management:
• Underwrite and close increasingly complex direct lend bilateral and/or syndicated asset- backed credit facilities to include mortgage warehouse lines, mortgage servicing assets and other mortgage related asset-backed and SPE collateralized credit facilities
• Ensure all relationships and transactions within your assigned portfolio are in strategic alignment with the risk profile and credit policies of the Bank.
• Spread financial statements, prepare accurate and timely risk ratings, and complete credit request presentations in compliance with CMFG and bank requirements acceptable to CMFG leadership and credit administration. Credit requests may include new deal requests, modification requests, annual reviews, renewals, portfolio reviews and criticized asset reviews.
• Monitor the performance of assigned CMF Facilities to assess ongoing creditworthiness and anticipate opportunities as well as challenges
• Analyze existing portfolio to identify trends and opportunities. Analysis includes, but is not limited to, stress testing, forecasting, concentration analysis and macroeconomic evaluations.
• Provide Immediate communication of suspected credit problems or credit deterioration within assigned portfolio
• Develop deep understanding of market dynamics/industry trends through continuing education or other means
• Assist the team with portfolio review preparation and over time build core knowledge set to support increased participation with portfolio review and other presentations made to senior leaders within the Bank.
• Build strong understanding of the legal structures for each of the respective facility types offered by the group.
• Effectively utilize Bank reporting, record keeping and underwriting systems/tools to maintain accurate and timely portfolio level detail
• Credit Quality: Responsible for maintaining acceptable levels of credit quality for assigned portfolio consistent with the Bank and CMFG credit policies, procedures, and guidelines as evidenced by satisfactory loan reviews and audits of assigned portfolio
• Relationship Management: Build and maintain strong relationships with clients, internal and external stakeholders to ensure effective communication and collaboration.
• Reporting and Compliance: Prepare and present portfolio reports highlighting performance, financial metrics, and compliance with internal policies. Additionally, prepare ad hoc portfolio reporting as needed.