Delivery Lead-Asset Based Lending

Key responsibilities

• Underwrite and manage renewals, credit modifications, line increases, extensions, waivers, and other customer credit requests for ABL and Factoring relationships.

• Manage the end-to-end underwriting process, coordinating with Relationship Managers and approval authorities to ensure timely completion.
• Perform comprehensive credit analysis, including financial statement review, cash flow analysis, collateral evaluation, covenant compliance testing, and assessment of borrower performance trends.
• Review and analyze field examinations, inventory appraisals (if required), intellectual property appraisals (if required), borrowing base certificates, and other due diligence materials to assess collateral quality and credit risk.
• Prepare clear, concise, and comprehensive credit memoranda supporting renewals and other approval requests.
• Assess the impact of requested credit modifications and determine materiality, risk implications, and required approvals.

Key competencies

• Commercial underwriting experience with a strong emphasis on Asset-Based Lending and/or Factoring.
• Demonstrated experience underwriting revolving credit facilities and term loans secured by accounts receivable, inventory, intellectual property, and other collateral types.
• Strong financial analysis and credit underwriting skills, including cash flow analysis, covenant testing, collateral analysis, and risk assessment. • Proven ability to independently manage credit requests from initial analysis through final approval.
• Solid understanding of loan structuring, pricing, profitability analysis, PD and LGD methodologies, and risk adjusted returns.
• Strong organizational skills with the ability to manage multiple renewals, amendments, and customer requests in a fast-paced environment. • Proficient in Microsoft Office applications and familiarity with Salesforce and credit workflow systems.
• Strong credit judgment and risk management discipline, with the ability to identify and escalate emerging issues proactively