ABL Collateral Analyst

Rockland Trust•Braintree, MA

2h•$80,000 - $90,000

About The Position

The ABL Collateral Analyst is responsible for monitoring, analyzing, and reporting on collateral supporting asset-based lending facilities. This role ensures borrowing base accuracy, compliance with loan agreements, and early identification of collateral-related risks. The analyst works closely with Portfolio Managers, Relationship Managers, Credit Officers, Operations and borrowers to maintain the integrity of collateral positions and support sound credit decisions.

Requirements

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field required.
1–4 years of experience in asset-based lending, collateral analysis, credit analysis, or a related banking/finance role.
Strong analytical and quantitative skills.
Proficiency in Microsoft Excel.
Working knowledge of UCC filings, borrowing base mechanics, and loan documentation.
High attention to detail and accuracy.
Strong organizational and time-management skills.
Effective written and verbal communication.
Ability to manage multiple deadlines in a fast-paced environment.
Sound judgment and willingness to escalate issues appropriately.

Nice To Haves

Familiarity with ABL collateral types, including accounts receivable and inventory, preferred.
experience with ABL or loan monitoring systems a plus.
Exposure to middle-market or commercial banking environments.
Experience reviewing field exams or audit reports.
Progress toward professional certifications (e.g., CFA, CPA) is a plus.

Responsibilities

Review and analyze borrower collateral reports, including accounts receivable, inventory, and other eligible collateral.
Calculate borrowing bases in accordance with loan agreements and internal credit policies.
Validate advance rates, eligibility criteria, reserves, and concentration limits.
Identify trends, exceptions, and anomalies in collateral performance.
Prepare timely borrowing base certificates and collateral monitoring reports.
Ensure compliance with loan documentation, covenants, and reporting requirements.
Track and follow up on reporting deficiencies, past-due items, and documentation gaps.
Support internal and external audits, regulatory exams, and credit reviews.
Monitor dilution, aging, inventory turnover, and other key collateral metrics.
Identify emerging risks and escalate concerns to portfolio management and credit teams.
Recommend reserves or collateral adjustments when warranted.
Communicate with borrowers regarding reporting issues, variances, and collateral questions.
Coordinate with relationship managers and credit officers on collateral-related matters.
Support field examiners and assist in reviewing field exam findings and action items.
Maintain accurate collateral records in loan systems and spreadsheets.
Contribute to process improvements and standardization initiatives.
Assist with special projects, portfolio reviews, and new deal onboarding.