ABL Relationship Manager

The Asset Based Lending (ABL) Relationship Manager ensures loans are properly serviced, clients’ financial status is reviewed, and collateral is appropriately analyzed and verified.

Responsibilities

• Responsible for more complex deals.
• Evaluates all aspects of existing transactions of an assigned portfolio of clients to determine viability of the credit and makes appropriate recommendations to senior management and the credit committee.
• Conducts credit monitoring through independent analysis of financial data, collateral trends, industry knowledge, and economic conditions to form conclusions about the entity’s financial condition, key credit issues, and risks in the current loan structure.
• Handles a mix of primarily direct and agent deals with multiple bank participants, focusing on larger highly complex transactions.
• Develops and maintains working relationships with borrowers, agent banks, and business partners.
• Works closely with third‑party turnaround consultants and professional appraisal/liquidator firms.
• Sets client relationship strategy.
• Prepares monthly and quarterly portfolio management reports, develops critical financial analysis, and processes client credit requests, amendments, waivers, and renewals in a timely manner.
• Reviews client field exams, appraisals, and collateral trends, proactively recommending appropriate reserves, ineligible changes, and credit solutions.
• Collaborates with consultants on distressed credits.
• Ensures overall collateral reporting is timely and accurate.
• Ensures field exams are performed on schedule.
• Visits clients and oversees banker calling efforts to cross‑sell bank products, enhancing relationship and revenue.
• Presents annual credit reviews to Senior Management and the Credit Committee, providing risk analysis and rating recommendations.
• Performs other duties as assigned.

Basic Qualifications

• Bachelor’s degree in Finance, Accounting, or Business Administration.
• 8+ years of experience in Asset‑Based Lending with demonstrated success in managing complex portfolios.

Preferred Qualifications

• MBA or CFA.
• Deep understanding of ABL structures, collateral audits, and advanced credit risk management.
• Work‑out and capital markets experience preferred.
• Proven track record in client relationship leadership.
• Exceptional negotiation, communication, and strategic thinking skills.
• Proficiency in advanced financial modeling and portfolio analytics.
• Leadership and team development capabilities.
• Strong decision‑making under pressure and ability to manage high‑risk situations.
• Excellent presentation and executive communication skills.
• Ability to influence and collaborate across senior stakeholders.

Compensation

Annual base salary range: $93,000 – $208,000. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.

Benefits

• Health insurance coverage
• Wellness program
• Life and disability insurance
• Retirement savings plan
• Paid leave programs
• Paid holidays
• Paid time off (PTO)

Workplace

Office‑based role with the possibility of a flexible work arrangement that combines in‑office and work‑from‑home options. Specific arrangements will be provided by the hiring team. Remote roles may also gather in offices for important events.

Exempt Status

CML Exempt Status: Yes (not eligible for overtime pay).