Senior Asset Based Loan ("ABL") Officer

Responsibilities

• Manage portfolio activity for equipment loans and leases which contribute to an aggregate portfolio.
• Create and ensure adherence to all credit policies, standards, procedures, and regulatory compliance requirements.
• Monitor portfolio performance, risk ratings, covenant compliance, and collateral performance.
• Participate in fundraising activities to raise third-party capital (debt and/or equity) to support loan activities.
• Lead ongoing credit surveillance and proactively identify emerging risks.
• Structure complex equipment and/or inventory-backed credit facilities.
• Evaluate and make recommendations on new credit requests, renewals, and modifications.
• Capture and document credit decisions, conditions, and structural modifications to balance client needs with internal risk/return requirements.
• Provide underwriting expertise across multiple asset classes and obligor types.
• Build and scale equipment and inventory lending programs from scratch.
• Collaborate closely with Engineering, Product, and Finance teams to design loan infrastructure, risk frameworks, and operational workflows.
• Develop scalable underwriting and credit processes aligned with business growth objectives.
• Contribute to new product strategy and structured lending innovation.
• Manage challenged credits and workout scenarios as needed.
• Develop restructuring strategies to mitigate loss exposure while preserving client relationships.

Requirements

• BA with 10+ years of experience, or MBA with 7+ years of experience
• Significant background in equipment finance, asset-based lending, or structured credit environments
• Deep expertise in structuring equipment and/or inventory loans
• Proven experience building lending programs or credit structures from the ground up
• Entrepreneurial mindset with comfort operating in high-growth, evolving environments
• Experience collaborating cross-functionally with Product, Engineering, and Finance teams to develop lending solutions
• Strong underwriting experience across diverse asset classes and obligor types
• Ability to balance risk management discipline with business growth objectives

Qualifications

• BS/BA in Finance, Accounting, Economics, or related field
• 10+ years of experience in asset-based lending, equipment finance, or structured credit
• Experience in managing and growing a sophisticated equipment and inventory-backed lending portfolio
• Proven ability to structure complex equipment and/or inventory-backed credit facilities
• Experience in developing and scaling lending programs from the ground up
• Strong understanding of regulatory compliance and risk management
• Excellent communication and collaboration skills
• Ability to work independently and as part of a team

Skills

• Strong analytical and problem-solving skills
• Experience with credit analysis and underwriting
• Knowledge of equipment finance and asset-based lending
• Experience with structured credit products
• Experience with credit structuring and portfolio management
• Experience with regulatory compliance and risk management
• Experience with cross-functional collaboration

Benefits

• Equity - Everyone at Nitra is an owner. When the company wins, you win.
• Competitive Salary - You’re the best of the best, and your salary will reflect your experience and reward your contributions to Nitra.
• Health Care - Your health comes first. We offer comprehensive health, vision, and dental insurance options.
• Retailment Benefits - Your financial stability matters to us so we provide a generous employer 401K match.

Pay

• The compensation range for this full-time position is $180k - $250k + bonus + equity + benefits.

Schedule

• Nitra maintains a hybrid work policy, with team members working from the office four days per week and Wednesdays designated as a work-from-home day.