The Role
Analyzes asset-based lending collateral, including borrowing bases, accounts receivable, inventory, appraisals, advances, cash receipts, and eligibility calculations. Reconciles borrower-reported collateral with loan systems, monitors compliance and performance trends, identifies risks, validates loan availability, and resolves reporting discrepancies. The role communicates findings to borrowers, portfolio managers, and senior leadership while maintaining regulatory and credit policy compliance.
Summary Generated by Built In
Job Summary & Responsibilities
Responsibilities include but not limited to:
- Lead the review and analysis of loan collateral, including borrowing base certificates, A/R aging's, inventory reports, and appraisals.
- Processes advance requests, validates there is sufficient availability, and obtains all required advance approvals.
- Reviews and monitors collateral performance trends and effectively communicates analysis to colleagues and clients.
- Evaluate the value of assets and determine their loan eligibility with a high degree of accuracy.
- Monitor collateral to ensure that it remains in compliance with loan conditions and proactively identify potential issues.
- Verifies borrowers' incoming cash receipts and records information into loan monitoring system.
- Communicate with borrowers and portfolio managers to resolve any collateral issues and provide guidance on best practices.
- Prepare detailed reports on loan collateral and present findings to senior management and stakeholders and processes and reviews month-end closing system.
- Completes and reviews collateral analysis, identifies all issues and determines appropriate course of action to address and resolve reconciliation matters and other reporting issues.
- Performs full validation and reconciliation of borrower-reported borrowing base collateral to ensure that the borrowing base availability is accurate and in conformance with the credit agreement.
- Analyzes ineligibles and reserves as well as makes recommendations for changes based on thorough collateral analysis.
- Conducts daily reconciliations of loan balances, advances, and cash collections between the bank's core loan system and ABLSoft.
- Review invoices and credit memos and may perform verifications on those accounts.
- Ensures compliance with all credit policies and maintains accuracy in operational procedures.
- Seeks to proactively understand the client to spot early warning signs of increased risk.
- Stay up to date on industry and regulatory developments and trends related to asset-based lending and implement best practices within the organization.
Required Skills:
- Proficient in MS Excel and other Microsoft Office applications.
- Analyze, interpret, and apply financial analysis, financial modeling, and statistics.
- Strong written and verbal communication skills with the ability to present findings to senior management.
- Ability to work independently and in a team environment and collaborate effectively.
- Strong analytical and critical thinking skills with experience leading complex evaluations.
- Experience with collateral field examinations.
- Experience using an ABL software system, preferable ABLSoft. Strong understanding of lending regulations and standards.
- Working knowledge of bank regulations and commercial or consumer lending businesses (preferred). Detail oriented and organized.
- Ability to manage multiple tasks with competing deadlines in a fast-paced environment.
- Must be able to maintain a high level of confidentiality and uphold strong ethical standards.
Required Experience:
- Bachelor's Degree in Business Administration, Economics, Finance, Accounting, or a related field.
- Five years of experience in Asset Based Lending or related field.
Skills Required
- Bachelor’s degree in Business Administration, Economics, Finance, Accounting, or a related field
- Five years of experience in Asset Based Lending or a related field
- Proficiency in Microsoft Excel and other Microsoft Office applications
- Financial analysis, financial modeling, and statistics experience
- Strong written and verbal communication skills, including presenting findings to senior management
- Strong analytical and critical thinking skills, including experience leading complex evaluations
- Experience with collateral field examinations
- Experience using an asset-based lending software system, preferably ABLSoft
- Understanding of lending regulations and standards
- Working knowledge of bank regulations and commercial or consumer lending businesses
- Ability to work independently and collaboratively in a team environment
- Ability to manage multiple tasks with competing deadlines in a fast-paced environment
- Detail-oriented and organized work style
- Ability to maintain confidentiality and uphold strong ethical standards
Valley Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Valley Bank and has not been reviewed or approved by Valley Bank.
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Healthcare Strength — Health coverage spans medical, dental, and vision with HSA/FSA options alongside life, AD&D, disability, and EAP support. The breadth presents as a comprehensive, modern package for a regional bank.
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Leave & Time Off Breadth — Time off offerings include vacation/PTO, sick leave, and volunteer PTO. Feedback suggests these elements contribute positively to work–life balance even when base pay feels light.
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Retirement Support — Retirement programs include a 401(k) with company match and, for eligible employees, a deferred compensation plan. The presence of these programs strengthens total compensation.
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The Company
What We Do
At Valley, we aren’t just your average financial institution; we're your trusted partner in building a brighter future. With a widespread presence across the U.S., we've been serving communities since 1927. For over 95 years, our team of dedicated professionals has been committed to creating better banking opportunities for our customers and fostering growth and prosperity in the communities we serve. From personalized financial solutions to comprehensive banking services, home mortgages, commercial lending, and wealth management, we're here to help you achieve your financial goals, no matter how big or small. We understand that each individual and business has unique challenges and opportunities, and we're here to listen, understand, and provide tailored solutions to help you succeed. ©2025 Valley National Bank. Member FDIC. Equal Opportunity Employer. Equal Housing Lender. All Rights Reserved.
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