Asset Based Lending Risk Director

The AssetBased Lending (ABL) Risk Director is responsible for leading and managing the banks ABL division ensuring a strong credit portfolio riskadjusted returns and highquality client relationships. This role involves overseeing risk management underwriting portfolio management and business development strategies to support the banks growth objectives while maintaining strong asset quality. The ABL Risk Director will work closely with internal and external stakeholders to structure approve and monitor ABL transactions ensuring regulatory compliance and maximizing portfolio performance. Additionally the ABL Risk Director will manage and mentor the ABL team ensuring alignment with the banks strategic goals and fostering a highperformance culture.

Principal Duties & Responsibilities:

ABL Team Leadership & Management

• Lead mentor and develop a highperforming ABL team fostering professional growth and ensuring team alignment with organizational goals.
• Set performance expectations monitor team progress and provide regular coaching and feedback.
• Oversee resource allocation and workflow management to ensure efficiency and effectiveness in transaction execution.
• Promote a culture of collaboration accountability and excellence within the ABL team.

ABL Portfolio & Credit Risk Management

• Oversee the overall credit performance riskadjusted return and asset quality of the ABL portfolio.
• Identify assess and manage risks associated with ABL transactions ensuring compliance with internal policies and regulatory requirements.
• Supervise portfolio management functions ensuring proactive monitoring of client financial health and early identification of potential credit issues.
• Ensure adherence to credit risk policies structuring sound transactions that mitigate risk while meeting client needs.

Underwriting & Due Diligence

• Lead due diligence efforts for ABL transactions including financial analysis collateral evaluation and risk assessment.
• Oversee the structuring and preparation of credit packages for review and approval by credit committees.
• Collaborate with internal teams to ensure thorough underwriting covenant structuring and loan documentation.
• Ensure loan structuring aligns with industry best practices and the banks risk appetite.

Business Development & Client Relationship Management

• Engage directly with clients fostering strong relationships and identifying opportunities to expand banking relationships.
• Collaborate with relationship managers and commercial lending teams to develop tailored ABL solutions for clients.
• Lead negotiations and deal structuring to ensure favorable outcomes for both the bank and its clients.
• Serve as a key liaison between the bank and external stakeholders including auditors regulators and legal advisors.

Leadership & Strategy

• Develop and implement ABL growth strategies ensuring alignment with the banks broader commercial lending objectives.
• Monitor market trends and competitive landscape to identify new business opportunities and product enhancements.
• Represent the bank at industry events building strategic relationships to drive ABL business development.
• Drive continuous improvement initiatives within the ABL team enhancing processes and operational efficiency.

• 10 years of experience in commercial lending credit analysis or portfolio management.
• 57 years of direct experience in ABL or special assets within the commercial & industrial (C&I) sector.
• Proven track record of managing ABL transactions risk assessment and structuring complex credit facilities.
• Experience in leading and managing a team driving performance and fostering a collaborative work environment.
• Deep knowledge of financial accounting loan structuring and risk analysis.
  
• Strong interpersonal and communication skills with the ability to engage individuals at all levels of the organization.
• Ability to make independent credit decisions while maintaining a strategic approach to risk management.
  
• High level of analytical problemsolving and decisionmaking skills.
  
• Strong leadership and organizational abilities to drive business results.
  

• Bachelors degree in Finance Accounting Business Administration or a related field (Masters preferred).
• Completion of formal credit training is required.
• Professional certifications such as CFA CTP or CPA are a plus.

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCPhere.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant. However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is (a) in response to a formal complaint or charge (b) in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or (c) consistent with the contractors legal duty to furnish information. 41 CFR 601.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department ator by email at.