Senior Associate/Vice President, Commercial Finance (Field Auditor)

Core Responsibilities

• Collaborate with Credit, Portfolio Management, and senior leadership to provide a core risk-management mechanism for the lender.
• Conduct on-site and remote pre-loan and recurring field exams to assess collateral adequacy.
• Analyze accounts receivable, inventory, and other collateral pools for validity, aging, dilution, eligibility, and liquidation value.
• Perform detailed testing of accounting systems, internal controls, and reporting quality.
• Review general ledger accounts, including reserves, reconciliations, and related financial data.
• Identify operational weaknesses, process gaps, and potential fraud indicators.
• Evaluate borrower internal controls and collateral monitoring capabilities.
• Recommend enhancements to strengthen lender collateral position.
• Escalate issues requiring management attention.
• Prepare comprehensive field exam reports summarizing collateral trends, risks, and credit implications.
• Communicate findings clearly to Credit Officers and Portfolio Managers.
• Support underwriting and portfolio monitoring through timely delivery of exam results.
• Work closely with Credit Quality Assurance, Underwriting, and Portfolio teams.
• Mentor junior employees on the Portfolio and Underwriting teams.
• Participate in scoping discussions to determine exam procedures based on borrower complexity.

Required Qualifications

• Bachelor's degree in Accounting, Finance, or related field.
• Typically 5+ years of ABL field exam, audit, or related experience.
• Strong understanding of asset-based lending, collateral valuation, and accounting systems.
• Proficiency in analyzing A/R, inventory, and general ledger data.
• Strong communication and report-writing skills.
• Ability to travel for field work.

Desired Skills

• Proven experience leading exams.
• Experience in collateral audits, internal controls, or credit risk review.
• Strong Excel, analytical, and investigative abilities.
• Knowledge of ABL borrowing base structures, advance rates, and liquidation concepts.

Benefits

• Comprehensive Medical/Rx, Dental and Vision plans.
• 401(k) program with company match.
• Flexible Savings Accounts (FSA).
• Healthcare Savings Accounts (HSA) with company contribution.
• Basic and Voluntary Life Insurance.
• Long-Term Disability (LTD) and Short-Term Disability (STD) insurance.
• Employee Assistance Program (EAP).
• Commuter Benefits plan for parking and transit.
• Access to a world-class medical advisory team.
• Mental health app that includes coaching, therapy and psychiatry.
• Mindfulness and wellbeing app.
• Financial wellness benefit that includes access to a financial advisor.
• New parent leave.
• Reproductive and adoption assistance.
• Emergency backup care.
• Matching gift program.
• Education sponsorship program.