ABL Relationship Manager

Huntington Commercial Bank; Houston (TX); On-site; USD 93,000 - 208,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Life insurance

Disability insurance

Retirement savings plan

Paid leave & PTO

Paid holidays

Job summary

Huntington is seeking an Asset Based Lending (ABL) Relationship Manager to ensure loans are properly serviced, review clients’ financial status, and analyze collateral. You will monitor credit health and coordinate with senior management on complex transactions.

The role involves evaluating existing transactions, communicating recommendations to the credit committee, and developing client relationships with borrowers and agent banks to optimize loan performance.

Qualifications

• Bachelor’s degree in Finance, Accounting, or Business Administration.
• 8+ years of Asset-Based Lending experience managing complex portfolios.
• Strong skills in credit risk assessment, collateral analysis, and financial statement interpretation.

Responsibilities

• Responsible for evaluating complex deals and recommending actions to senior management and credit committee.
• Performs credit monitoring through independent analysis of financial data, collateral trends, and economic conditions to determine credit health.
• Manages a portfolio with direct and agent deals involving multiple bank participants.
• Develops and maintains relationships with borrowers, agent banks, and business partners.

Skills

ABL expertise

Credit risk management

Financial modeling

Portfolio management

Client relationship leadership

Education

Bachelor's degree in Finance, Accounting, Business Administration

Job description

Summary

The Asset Based Lending (ABL) Relationship Manager ensures loans are properly serviced, clients’ financial status is reviewed, and collateral is appropriately analyzed and verified.

Description

Summary

The Asset Based Lending (ABL) Relationship Manager ensures loans are properly serviced, clients’ financial status is reviewed, and collateral is appropriately analyzed and verified.

Duties & Responsibilities

• Responsible for more complex deals.
• Evaluates all aspects of existing transactions of an assigned portfolio of clients to determine viability of the credit and makes the appropriate recommendations to senior management and credit committee.
• Credit monitoring includes independent analysis of financial data, collateral trends, industry knowledge, economic conditions in order to form an independent conclusion as to as entity’s financial condition and ascertain the key credit issues/mitigates and what risk exist in current loan structure.
• Handles a mix of primarily direct and agent deals with multiple bank participants which are larger highly complex deals.
• Develops a working relationship with borrowers or agent banks and business partners.
• Works closely with third party turnaround consultants and other professional appraisal/liquidator firms.
• Responsible for setting client relationship strategy.
• Prepares monthly and quarterly portfolio management reports; develops critical financial analysis, process client credit requests, amendments, waivers and renewals in a timely manner.
• Reviews client field exams, appraisals, collateral trends and reporting with the ability to identify and proactively recommend appropriate reserves, ineligible changes and credit solutions.
• Works closely with consultants on distressed credits.
• Ensure overall collateral reporting is timely and accurate.
• Ensures field exams are performed timely.
• Develops a working relationship with borrowers or agent banks and business partners as this facilitates with maintaining the timely communication of critical credit analysis and recommendations.
• Visits clients and oversees banker calling efforts to cross sell Bank products to enhance relationship and revenue.
• Presents to Senior Management and Credit Committee annual credit reviews ensuring proper risk analysis and rating recommendations.
• Performs other duties as assigned.

Basic Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration.
• 8+ years of experience in Asset-Based Lending with demonstrated success in managing complex portfolios.

Preferred Qualifications

• MBA or CFA
• Deep understanding of ABL structures, collateral audits, and advanced credit risk management. Work-out and experience in capital markets preferred.
• Proven track record in client relationship leadership.
• Exceptional negotiation, communication, and strategic thinking skills.
• Proficiency in advanced financial modeling and portfolio analytics.
• Leadership and team development capabilities.
• Strong decision-making under pressure and ability to manage high-risk situations.
• Excellent presentation and executive communication skills.
• Ability to influence and collaborate across senior stakeholders.

#CML

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes

Workplace Type

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range

$93,000 - $208,000 Annual Salary

The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.