Analyst, Commercial Finance, Collateral Analyst

Ares Management Corporation•Atlanta, GA

2d•$80,000 - $90,000

About The Position

Ares Management, L.P. (“Ares”) is an industry-leading provider of asset-backed loans to middle-market businesses located in the United States and Canada. The Ares Commercial Finance platform (“ACF”) provides asset-based and cash flow loans to small and middle-market companies, as well as asset-backed facilities to specialty finance companies. ACF’s asset-based lines of credit may be structured as working capital and bridge financing, special accommodation financing, turnaround financing, debtor-in-possession financing, and acquisition financing. ACF’s asset-based lending practice focuses on privately held and small public companies in the middle market and addresses a wide breadth of industries including manufacturing, distribution, wholesale, and service companies. The candidate will be provided with an introduction to asset-based lending principles beginning with collateral monitoring, including understanding a borrowing base formula, understanding, identifying, and tracking collateral trends, collateral reconciliation and verification; relationship management, including daily correspondence with borrowers, team members, and senior management; and an introduction to credit principles. The Collateral Analyst will be expected to identify emerging risks, understand how collateral performance impacts credit exposure, and exercise sound judgment in escalating issues within a controlled lending environment. The collateral analyst’s primary role is to ensure the accuracy, integrity, and ongoing monitoring of loan collateral, enabling informed credit decisions, reliable funding availability, and early identification of collateral‑driven risk.

Requirements

Qualified candidates will have a college degree in Accounting, Finance, or Business Administration or a minimum of two years’ experience in the Asset Based Lending industry
Proficiency in Excel, Word and PowerPoint
Outgoing personality with a strong desire to be a contributing team member
Excellent oral and written communication skills
Strong mathematic aptitude with an interest in finance and accounting
Intellectual curiosity and willingness to learn
Ability to focus on routine tasks in a fast-paced, team-oriented work environment
Ability to maintain confidentiality
Proficiency in Microsoft Excel and spreadsheets, including reconciliations, trend analysis, and data validation
Strong organizational and time‑management skills, enabling them to meet daily, weekly, and month‑end reporting deadlines
Ability to identify exceptions, inconsistencies, and anomalies in collateral reporting and escalate appropriately

Responsibilities

Review borrower’s collateral reporting package for accuracy, trends, and adherence to lender guidelines on a portfolio of secured revolving credit loans
Coordinating borrowing base availability changes with treasury or cash management teams
Ensure timely and accurate posting of daily cash receipts to loan balances
Calculate and monitor customer’s daily borrowing capacity and process funding requests
Post collateral values to our proprietary loan monitoring platform (currently Stucky)
Prepare month-end collateral trend analyses (the monthly Trend Card), reconciliations of loan and collateral balances and verifying monthly interest and fees are correctly processed
Maintain and monitor tranche‑level terms, including effective dates, expiration dates, interest, and fee calculations
Perform monthly accounts receivable verifications via telephone, email, portals or cash tracing
Maintain a monthly Client Checklist to track borrower reporting and loan maintenance exceptions
Supporting internal, external, and regulatory audits by assembling collateral and availability documentation
Follow up and review of field exams, including the preparation of the standard field exam review form.
Follow up and review of appraisals for inventory and fixed assets and ensuring that the values are posted to our proprietary loan monitoring platform (Stucky).
Follow up for borrower compliance with insurance requirement
Monitoring and reviewing regularly scheduled lien and tax searches
Involvement with the new business deal team in setting up the borrower’s initial borrowing base certificate and preparing the operations Handling Guide.
Assist Credit Officers with daily portfolio management, risk assessment, and due diligence
Escalating collateral concerns or emerging risks to portfolio management or senior credit teams
On-going communication with fellow team members, customers, their customers, and Ares senior management
Perform other duties as assigned