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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 Finance
• Residential Mortgage
• Credit Card
• Recreational Vehicle / Marine Lending
• Regional 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 portfolios

• Assess and review risk profiles of loan acquisitions, FinTech originations, and non-core purchase channels

• Evaluate growth, optimization, and innovation proposals (e.g., Fintech partnerships, SBA lending, portfolio acquisition strategy) for alignment with risk appetite

• Assess 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 segments

• Support segmentation analysis by originator (e.g., branch, dealer, FinTech, purchased portfolios)

• Produce actionable insights to mitigate concentration risks and deteriorating segments

• Support portfolio concentration, lending strategy, and limits activities

• Build 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 documentation

• Serve as member and prepare risk presentations for internal committees (Business Unit Credit Committees, Executive Risk Committees) and regulatory reviews

• Maintain 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 tools

• Evaluate override activity and backtesting of models used in portfolio acquisitions or FinTech programs

• Collaborate 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 coverage

• Participate in due diligence, risk integration, and onboarding of acquired loan portfolios or FinTech partners or other merger & acquisition activities

• Provide risk insights during regulatory exams, audits, and strategic reviews

• Other duties as assigned

Required Qualifications:

• Bachelor’s degree in Finance, Economics, Analytics, Engineering, Statistics, or related field

• 8 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 acquisitions

• Proficiency with tools such as SQL, SAS, Python, R, and Tableau or Power BI

• Working knowledge of OCC/Federal Reserve/FDIC regulatory requirements, FFIEC, model risk (SR 11-7), and CECL/Basel risk frameworks

• Excellent 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 oversight

• Knowledge of SBA SOP and dealer-based finance channels

• Experience in loan portfolio acquisition due diligence or integration

• Expertise 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)

Workplace Type:

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:

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.