SVP, ABL Portfolio Manager
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Job Description
SVP, ABL Portfolio Manager at Customers Bank managing asset-based lending portfolios and ensuring credit quality. Collaborating with teams for structuring, monitoring, and mitigating portfolio risks.
Responsibilities:
- 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.
- Plays a key role in identifying and mitigating portfolio risk.
- 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.
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.
- Formal credit training (bank-sponsored credit program or equivalent) preferred
- Experience with syndicated or multi-lender ABL facilities preferred
- Prior exposure to workout, restructuring, or special assets processes preferred
- Familiarity with industries such as manufacturing, distribution, retail, or transportation preferred
Benefits:
- Customers Bank is an equal opportunity employer.
- We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
- We also provide “reasonable accommodations”, upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and applicable state and local laws.
- Diversity Statement: At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a culture which reflects the value we place on diversity, equity, and inclusion.
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