SVP, ABL Portfolio Manager

Customers Bank•Remote - CA, CA

1d•$180,000 - $190,000

About The Position

The SVP, ABL Portfolio Manager is responsible for managing a portfolio of asset-based lending relationships, ensuring credit quality, collateral integrity, and profitability across an assigned book of business. This individual serves as the primary point of contact for existing clients, partners closely with Relationship Managers and Underwriting to structure and monitor facilities secured by accounts receivable, inventory, equipment, and other collateral, and plays a key role in identifying and mitigating portfolio risk. The role requires deep technical expertise in borrowing base mechanics, field examination findings, and financial statement analysis, combined with strong client relationship and leadership skills.

Requirements

Bachelor's degree in Finance, Accounting, Business, or related field
10+ years of experience in asset-based lending, commercial credit, or a related portfolio management/underwriting role
Strong understanding of borrowing base mechanics, collateral monitoring, and field examination/appraisal review
Advanced financial statement analysis, cash flow modeling, and covenant analysis skills
Experience managing a diverse portfolio across industries and credit sizes
Strong written and verbal communication skills, including experience presenting to credit committees
Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.
Proficiency in Excel and credit/loan monitoring systems.

Nice To Haves

Formal credit training (bank-sponsored credit program or equivalent)
Experience with syndicated or multi-lender ABL facilities
Prior exposure to workout, restructuring, or special assets processes
Familiarity with industries such as manufacturing, distribution, retail, or transportation
Familiarity with AI and automation tools that support productivity, workflow efficiency, and client engagement.

Responsibilities

Manage a portfolio of ABL relationships, monitoring borrowing base certificates, collateral reporting, and covenant compliance on an ongoing basis
Analyze borrower financial statements, cash flow trends, and collateral performance to identify early warning signs of credit deterioration
Partner with Field Examination and Appraisal teams to schedule and review collateral exams and inventory/equipment appraisals; assess findings and adjust advance rates or reserves as warranted
Prepare and present annual reviews, renewals, and periodic credit updates to credit committee
Oversee accurate and timely risk rating of assigned credits in accordance with bank policy
Serve as primary contact for assigned clients on day-to-day portfolio matters, servicing requests, waivers, and amendments
Partner with Relationship Managers and Originators on add-on facilities, upsizes, refinancings, and cross-sell opportunities
Coordinate with Legal and Closers on documentation of amendments, waivers, and new money transactions
Manage borrowing base availability, overadvances, and reserves in coordination with Operations
Ensure the portfolio adheres to internal credit policy, regulatory requirements, and lending guidelines
Identify and escalate problem credits; participate in workout/restructuring strategy alongside Special Assets when needed
Maintain audit-ready files and documentation to support internal and regulatory examinations
Monitor industry, sector, and macroeconomic trends that may affect portfolio risk
May mentor or oversee junior portfolio managers/analysts, reviewing their work and providing technical guidance
Collaborate cross-functionally with Underwriting, Field Exam, Legal, Operations, and Special Assets
Contribute to process improvement initiatives and policy development for the ABL platform