Asset-Based lending (ABL) specialist

Job Summary

The Asset-Based Lending Specialist is responsible for originating, structuring, underwriting, and executing asset-backed commercial credit facilities for domestic and cross-border borrowers. This role focuses on U.S. subsidiaries of multinational corporations and requires strong technical expertise in borrowing base structures, accounts receivable financing, and inventory-backed lending. The Specialist works closely with Relationship Managers, Credit Officers, legal counsel, borrowers, and field examiners to structure transactions, manage credit risk, and maintain a high-quality lending portfolio.

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Essential Duties & Responsibilities:

Lead the end-to-end execution of asset-based lending transactions, from initial term sheet development through credit committee approval and closing.
Structure customized asset-based revolving credit facilities, borrowing base arrangements, accounts receivable purchase facilities, and inventory financing solutions.
Conduct detailed financial analysis of corporate borrowers and parent guarantors, evaluating balance sheets, cash flow, liquidity, and operational risks.
Review third-party field examination reports, collateral assessments, inventory appraisals, and accounts receivable aging reports to establish appropriate borrowing base formulas.
Prepare comprehensive credit risk memorandums and present complex transactions to Credit Officers and Regional Credit Committees.
Originate and support domestic and cross-border ABL opportunities, particularly involving U.S. subsidiaries of multinational corporations.
Monitor existing facilities for covenant compliance, collateral reconciliations, borrowing base certificates, and periodic collateral audits.
Collaborate with Relationship Managers to identify cross-selling opportunities involving treasury management, foreign exchange, trade finance, and debt advisory services.
Maintain compliance with applicable state and federal laws, banking regulations, BSA requirements, the bank's Code of Ethics, and internal policies.
Travel as required, provide coverage for other positions when requested, and perform additional duties as assigned.

Minimum Requirements:

Demonstrated experience in asset-based lending, commercial credit underwriting, or structured commercial lending.
Strong technical knowledge of borrowing base mechanics, accounts receivable financing, inventory financing, and asset-backed revolving credit facilities.
Experience analyzing corporate financial statements, cash flow, liquidity, collateral quality, and guarantor strength.
Experience reviewing field examinations, inventory appraisals, accounts receivable aging reports, and borrowing base certificates.
Ability to structure complex credit facilities, prepare detailed credit memorandums, and present transactions to credit committees.
Knowledge of cross-border commercial lending and multinational corporate structures, particularly U.S. subsidiaries of international companies.
Understanding of credit risk management, covenant compliance, collateral monitoring, and portfolio governance.
Ability to communicate effectively with borrowers, Relationship Managers, Credit Officers, legal counsel, and external field examiners.
Fluency in spoken and written English and Spanish.
Willingness to travel as required and work outside regular business hours when necessary.
Ability to comply with applicable banking regulations, internal policies, and ethical standards.

Asset-Based lending (ABL) specialist

Job Summary

Essential Duties & Responsibilities:

Minimum Requirements:

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