Asset-Based Lending (ABL) Field Examiner

Sikich; United States; Remote; USD 85,000 - 120,000; Full time

Job summary

Sikich is seeking an experienced Asset-Based Lending (ABL) Field Examiner for remote, full-time employment. You will conduct field examinations and due diligence to assess credit risk, validate borrowing base availability, and ensure compliance with lending agreements.

The role requires strong knowledge of receivables, inventory, cash flow, and collateral reporting, collaborating with Credit, Underwriting, and Portfolio teams to support informed lending decisions.

Qualifications

• Bachelor's degree in Accounting, Finance, or related field.
• 3+ years of Asset-Based Lending, commercial banking, public accounting, auditing, credit analysis, or field examination.
• Strong understanding of accounts receivable, inventory valuation, borrowing base calculations, and collateral monitoring.

Responsibilities

• Conduct onsite and remote field examinations for asset-based lending clients.
• Review accounts receivable aging, inventory, borrowing base certificates, and supporting docs.
• Analyze collateral quality and eligibility to determine borrowing base availability and lending risk.
• Identify ineligible receivables, inventory concentration, dilution, and collateral reporting concerns.
• Evaluate borrower internal controls related to receivables, inventory, cash application, and reporting.

Skills

Asset-Based Lending

Credit analysis

Field examination

Financial analysis

Education

Bachelor's degree in Accounting, Finance, Business Administration

Tools

Microsoft Excel

Job description

Back Asset-Based Lending (ABL) Field Examiner
Audit & Compliance Temp/Contract Oct 15, 2026

Location: Remote
Employment Type: Full-Time

Position Summary

Our client is seeking an experienced Asset-Based Lending (ABL) Field Examiner to support commercial lending activities through the evaluation of borrower collateral, financial reporting, and operational controls. This role is responsible for conducting field examinations and due diligence reviews of prospective and existing borrowers to assess credit risk, validate borrowing base availability, and ensure compliance with lending agreements.

The ideal candidate will possess a strong background in commercial banking, accounting, auditing, or asset-based lending and have experience analyzing accounts receivable, inventory, cash flow, and collateral reporting. This individual will work closely with Credit, Underwriting, Relationship Management, and Portfolio Management teams to support informed lending decisions and portfolio risk management.

Key Responsibilities

• Conduct onsite and remote field examinations for new and existing asset-based lending clients.
• Review and validate accounts receivable aging schedules, inventory records, borrowing base certificates, and supporting financial documentation.
• Analyze collateral quality and eligibility to determine borrowing base availability and lending risk.
• Identify ineligible receivables, inventory concentration exposure, dilution issues, and collateral reporting concerns.
• Evaluate borrower internal controls related to receivables, inventory management, cash application, and financial reporting processes.
• Assess financial performance, liquidity, cash flow trends, and overall operational health of borrowers.
• Calculate borrowing base availability and recommend collateral adjustments or advance rate modifications when warranted.
• Monitor collateral trends including aging, turnover, dilution, inventory obsolescence, and customer concentration.
• Prepare comprehensive field examination reports detailing findings, risk assessments, collateral analysis, and recommendations.
• Conduct pre-loan due diligence for new credit facilities, renewals, amendments, acquisitions, and refinancing transactions.
• Review compliance with loan covenants and identify emerging credit concerns or operational risks.
• Partner with Relationship Managers, Credit Officers, Underwriters, and Portfolio Managers to support underwriting and ongoing portfolio management.
• Present examination findings and recommendations to lending teams and senior management.
• Assist in developing risk mitigation strategies and monitoring action plans for identified borrower concerns.

Required Qualifications

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• 3+ years of experience in Asset-Based Lending, commercial banking, public accounting, auditing, credit analysis, or field examination.
• Strong understanding of accounts receivable, inventory valuation, borrowing base calculations, and collateral monitoring.
• Knowledge of commercial lending structures, underwriting principles, and credit risk assessment.
• Experience interpreting financial statements, cash flow analyses, and operational metrics.
• Advanced proficiency in Microsoft Excel and financial analysis tools.

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• 3+ years of experience in Asset-Based Lending, commercial banking, public accounting, auditing, credit analysis, or field examination.
• Strong understanding of accounts receivable, inventory valuation, borrowing base calculations, and collateral monitoring.
• Knowledge of commercial lending structures, underwriting principles, and credit risk assessment.
• Experience interpreting financial statements, cash flow analyses, and operational metrics.