Description

The Relationship Manager II/Associate Director - Corporate Mortgage Finance, will be an important contributor to growth and account management in the Corporate Mortgage Finance Group at Huntington Bank and will represent the bank in determining and meeting clients’ needs through the seamless delivery of the bank's products, services and associated resources. 

You will personally originate, manage, service and grow an assigned Commercial Loan Portfolio within the Corporate Mortgage Finance Group and support deal flow, tracking and reporting for the Relationship Management team; work collaboratively with the group’s RM Team Lead, other Banker/RMs, Portfolio Managers and other internal colleagues to support current and prospective client relationship growth.

The Relationship Manager requires a proven track record of success in industry relevant commercial business development and relationship management (specific knowledge of the residential mortgage industry is preferred), proven negotiation and communication skills, strong evidence of collaboration, and the ability to thrive in a fast-paced environment, managing a portfolio of clients while supporting the growth of the overall team.

This position reports to the RM Team Lead, or another senior leader determined by the Head of the group.  Note: This position is open to remote work.

In this role as a Relationship Manager, you will be performing the following responsibilities:

• Deliver on team and personal business development goals with a primary focus on Mortgage Warehouse facilities.  Additionally, market CMFG’s financing capabilities for Mortgage Servicing Assets (“MSAs”) to deliver the group’s full product suite to existing and prospective clients.
  • Mortgage Warehouse Financing: residential agency, non-agency, Non-QM and business purpose financing structures
  • Mortgage Servicing Assets(“MSAs”): ie. MSR financing, Servicing Advance Facilities, Early Buyout lines and related collateral/financing structures.
• Execute upon senior management approved team strategy to meet assigned goals, mitigate and maintain risk oversight of the assigned credit relationships; operate at a level of proficiency to become a key member of the CMF group. 
• Gather, review and track appropriate documentation from prospective and existing clients
• Conduct due diligence to include review and analysis of financial statements, credit and background checks, KYC, etc. to ensure loans meet all policy and regulatory requirements.
• Participate in the underwriting and closing processes for bilateral credit facilities and in a supporting role on syndicated lending facilities
  • With Portfolio Manager, responsible for preparation of credit memorandums, including new credit requests, modifications, annual reviews/renewals, and portfolio reviews

• Manage risk on an ongoing basis by monitoring customer creditworthiness and facility covenant compliance, adherence to loan terms and performance in varying market conditions
• Review and support negotiation of loan documentation and maintenance of legal doc templates
• Deepen client relationships by leveraging capabilities in other areas of the bank (e.g., CSG, mortgage ecosystem), thereby gaining market share and developing new areas of opportunity across the bank

• Manage special projects as assigned in coordination with management
• Maintain up-to-date knowledge of market/industry trends and keep management fully informed on all key factors of the portfolio, client relationships, market trends and the competitive environment.

Credit Performance: Responsible for maintaining acceptable levels of credit quality of an assigned portfolio consistent with the Bank and CMFG credit policies, procedures, and guidelines. The RM II will ensure the following:

• Satisfactory loan review, audit and OCC review results of all assigned credit relationships.
• Immediate and concise communication of actual or potential counter-party performance, compliance or facility level credit or operational problems.
• Effective oversight and active surveillance of assigned facilities, remain engaged in working through any account-specific issues with appropriate internal and external contacts
• Ensure the Risk Grading accuracy of assigned portfolio by providing timely recommendations of potential re-grades when appropriate.

Basic Qualifications:

• Bachelor's Degree or 5+ years industry equivalent experience
• 5+ years’ experience in commercial lending
• 5+ years proven track record of business development/relationship management.
• 2+ years working in residential mortgage industry

Preferred Qualifications:      

• 7+ years’ commercial lending experience, specifically covering the residential mortgage industry
• Network of relationships with middle market independent mortgage banking companies and referral sources
• Proven ability to generate revenue growth through new client acquisition and cross-selling other banking services
• Credit experience in commercial lending
• Excellent written and oral communication skills
• Ability to thrive in a fast-paced environment, demonstrating strong organization and project management skills
• Ability to analyze corporate financial statements, client business needs and make appropriate recommendations on credit structure and facility terms.

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.

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters:  Huntington Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume.  All unsolicited resumes sent to any Huntington Bank colleagues, directly or indirectly, will be considered Huntington Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.