Senior Account Manager

THIRD COAST BANK•University Park, TX

About The Position

The Senior Account Manager, Asset-Based Lending (ABL), manages, services, and administers an assigned portfolio of asset-based lending relationships. Reporting through the ABL business line, the role serves as a key resource for client relationships and supports the growth and profitability of the ABL portfolio. It requires a strong understanding of ABL structures, borrowing base mechanics, commercial credit fundamentals, and collateral management. The Senior Account Manager works with Relationship Managers, Credit, Field Examination, Loan Operations, and other internal partners to address client needs and maintain portfolio performance consistent with the Bank’s expectations. This is a business-line portfolio management role focused on supporting client relationships, disciplined portfolio oversight, and timely execution of credit-related activities. The position is full-time and exempt, with typical work hours Monday through Friday, 8:00 a.m. to 5:00 p.m. Some travel may be required. The role has no direct reports.

Requirements

10+ years of commercial banking, asset-based lending, commercial portfolio management, or related experience.
Strong understanding of ABL structures, including revolving credit facilities secured by accounts receivable, inventory, and other eligible collateral.
Experience analyzing financial statements, borrowing base certificates, collateral reporting, and commercial lending relationships.
Working knowledge of field examinations, collateral appraisals, loan documentation, and borrowing base administration.
Ability to independently manage multiple borrower relationships and coordinate complex portfolio activities.
Strong analytical skills and ability to identify financial, operational, and collateral trends affecting borrower performance.
Understanding of commercial credit underwriting, loan structuring, financial covenants, and risk identification.
Strong interpersonal and communication skills, including the ability to interact effectively with clients, Relationship Managers, Credit, and senior management.
Ability to prioritize competing deadlines, exercise sound judgment, and independently resolve issues.
Strong organizational skills, attention to detail, and proficiency with financial analysis and Microsoft Office applications.

Nice To Haves

Direct asset-based lending experience is strongly preferred.
Bachelor’s degree in Finance, Accounting, Business Administration, or a related field is preferred; equivalent professional experience is considered.

Responsibilities

Manage an assigned portfolio during initial screening and onboarding, developing an understanding of borrower operations, financial performance, liquidity, collateral, and relationship structure before transition to the ABL underwriting team for final approval.
Serve as a primary point of contact for existing ABL clients, coordinating servicing needs, financial reporting requirements, and relationship activities.
Partner with ABL Relationship Managers to manage client relationships, identify emerging needs, and support retention, expansion, and profitability.
Identify potential relationship concerns and communicate recommendations to ABL leadership and appropriate internal stakeholders.
Review borrowing base certificates, collateral reporting, accounts receivable and inventory trends, and other information supporting ongoing facility administration.
Review Portfolio Manager reporting on collateral performance, availability, advance rates, dilution, concentrations, and other factors affecting borrowing capacity.
Coordinate with collateral monitoring and Loan Operations to ensure borrowing activity, reporting, and collateral administration align with approved loan structures.
Review field examination findings, collateral appraisals, and related third-party reports; coordinate follow-up and resolution of identified issues.
Maintain working knowledge of loan agreements, borrowing base provisions, collateral eligibility requirements, and transaction-specific covenants.
Analyze borrower financial statements, operating performance, liquidity, cash flow, and working capital trends to support relationship management.
Work with Credit Administration and other approval authorities to facilitate timely review and execution of credit requests.
Monitor compliance with approved credit terms, financial covenants, reporting requirements, and loan documentation.
Assist in identifying and resolving documentation exceptions, covenant issues, and other portfolio management matters.
Support internal portfolio reviews, regulatory examinations, and audit requests as needed.
Support ABL leadership and Relationship Managers in managing portfolio capacity, client responsiveness, and operational efficiency.
Participate in client meetings, relationship reviews, and discussions involving facility structures, collateral performance, and financing needs.
Coordinate with Treasury Management and other Bank partners to identify opportunities to deepen existing client relationships.
Assist with onboarding new ABL relationships, including coordination of documentation, collateral reporting, loan closing, and operational requirements.
Maintain accurate and timely portfolio information, relationship reporting, and internal management updates.
Contribute to the development and improvement of ABL portfolio management processes and practices.
Perform other duties as assigned.