Credit Administrator - Asset Based Lending (ABL)

Sunflower Bank Mortgage Lending · Houston, TX · Yesterday

AccountingFull-time

About the role

Sunflower Bank, N.A. is a full-service financial institution founded in 1892, committed to serving communities and supporting team members. We offer relationship-focused services for personal, business, and wealth-management financial objectives. As we experience significant growth, we are seeking an energetic and highly motivated individual to oversee a team of Portfolio Managers (PMs) and Credit Analysts in the role of Credit Administrator - Asset Based Lending (ABL).

Responsibilities

Ensure appropriate portfolio management support for the ABL lending platform by monitoring the new deal pipeline and staffing deals accordingly.
Support Portfolio Management knowledge and career development through participation in calls, customer meetings, and understanding of credit and operating policies and business line strategies.
Monitor, evaluate, and coach ABL Portfolio Managers in portfolio management duties, including underwriting new opportunities, renewals, modifications, borrowing base reviews, field exam reviews, appraisal reviews, loan advance approvals, Annual Review Jobs (ARJs), and covenant testing.
Meet regularly with ABL Business leadership and the assigned Regional Senior Credit Administrator (RSCA) to review the portfolio, ensuring team building, communication, and appropriate portfolio management with a focus on the customer/borrower.
Maintain a current understanding of concentration limits and industry appetite.
Develop and maintain relationships with internal subject matter experts.
Ensure adherence and consistency with the company’s loan policy and underwriting standards via underwriting memos, change memos, ARJs, etc.
Advocate for a collaborative and team-oriented credit administration culture throughout the company.
Ensure ABL PMs and other ABL team members participate in recurring portfolio reviews and rolling loan review meetings as required.
Maintain the quality of underwriting of the ABL loan portfolio to company standards, reflecting the complexity of deal structures.
Ensure annual training for all PMs to stay current with underwriting standards.
Perform the job in accordance with applicable industry laws, regulations, and company policies and procedures.

Qualifications

Bachelor’s Degree in Accounting, Finance, or other applicable undergraduate or graduate degree.
8+ years of experience in ABL underwriting, portfolio management, and commercial credit analysis.
Excellent Microsoft Office Suite skills, specifically Word and Excel.
Prior experience with Solifi/Stucky system preferred.
Aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
Excellent verbal and written communication skills.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Benefits