Asset Based Lending Analyst II/III – Portfolio Management

Texas Capital; Dallas (TX); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Fertility & family benefits

Life and disability insurance

401K match

Paid leave & holidays

Paid time off (PTO)

Job summary

Texas Capital Bank is seeking an Asset Based Lending Analyst II/III to support ongoing management and monitoring of a portfolio of asset-based lending relationships. You will focus on collateral analysis, financial performance monitoring, risk assessment, covenant compliance, and client service.

Ideal candidates have 1-3 years of commercial banking, ABL, credit, or commercial finance experience and seek development toward a Portfolio Manager or Underwriter role at our Dallas-based team.

Qualifications

• 1-3 years of experience in Asset Based Lending, commercial banking, commercial finance, credit analysis, or portfolio management.
• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field.
• Strong understanding of financial statement analysis and commercial credit fundamentals.
• Strong analytical, organizational, and problem-solving skills.
• Proficiency in Microsoft Excel and financial analysis.

Responsibilities

• Monitor a portfolio of asset-based lending relationships and evaluate borrower performance, collateral quality, liquidity trends, and overall credit risk.
• Support annual reviews, risk rating assessments, portfolio reviews, amendments, and ongoing credit monitoring requirements.
• Review monthly and quarterly financial statements, borrowing base certificates, collateral reports, covenant calculations, and compliance submissions.
• Track and monitor borrowing availability, collateral performance, and utilization trends.
• Assist Portfolio Managers in developing action plans for borrowers exhibiting deteriorating financial performance or collateral quality.
• Maintain a thorough understanding of assigned clients, industries, and facility structures.
• Evaluate field examination reports and track resolution of findings and recommendations.
• Review accounts receivable agings, customer concentrations, dilution trends, inventory reports, and other collateral reporting.
• Coordinate with appraisers, field examiners, operations teams, and third-party service providers when required.
• Support due diligence efforts associated with refinancing, facility increases, and other portfolio-related transactions.
• Participate in new deal underwriting selectively to support team execution and professional development.
• Maintain accurate credit files and portfolio documentation.

Skills

Analytical

Financial analysis

Excel

Credit fundamentals

Education

Bachelor's degree in Finance

Tools

Excel

Job description

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.

Summary:

The Asset Based Lending (ABL) Analyst II/III supports the ongoing management and monitoring of a portfolio of asset-based lending relationships. The role is focused primarily on portfolio management responsibilities, including collateral analysis, financial performance monitoring, risk assessment, covenant compliance, and client service. The Analyst works closely with Portfolio Managers, Relationship Managers, Credit Officers, and ABL Operations to ensure credit quality, identify emerging risks, and support the long-term management of client relationships. This position is designed for professionals with 1-3 years of commercial banking, ABL, credit, or commercial finance experience who are seeking to develop the skills necessary for advancement into a ABL Portfolio Manager or Underwriter role.

Responsibilities:

Portfolio Management & Credit Monitoring

• Monitor a portfolio of asset-based lending relationships and evaluate borrower performance, collateral quality, liquidity trends, and overall credit risk.
• Support annual reviews, risk rating assessments, portfolio reviews, amendments, and ongoing credit monitoring requirements.
• Review monthly and quarterly financial statements, borrowing base certificates, collateral reports, covenant calculations, and compliance submissions.
• Track and monitor borrowing availability, collateral performance, and utilization trends.
• Assist Portfolio Managers in developing action plans for borrowers exhibiting deteriorating financial performance or collateral quality.
• Maintain a thorough understanding of assigned clients, industries, and facility structures.
• Evaluate field examination reports and track resolution of findings and recommendations.
• Review accounts receivable agings, customer concentrations, dilution trends, inventory reports, and other collateral reporting.
• Coordinate with appraisers, field examiners, operations teams, and third-party service providers when required.
• Support due diligence efforts associated with refinancing, facility increases, and other portfolio-related transactions.
• Participate in new deal underwriting selectively to support team execution and professional development
• Maintain accurate credit files and portfolio documentation.

Client Relationship Support

• Develop relationships with borrower management teams and serve as a day-to-day contact for routine portfolio matters.
• Participate in client calls, portfolio reviews, field examinations, and periodic relationship meetings.
• Respond to client requests related to reporting requirements, compliance matters, amendments, and facility administration.
• Partner with Relationship Managers and Portfolio Managers to ensure timely communication and exceptional client service.

Qualifications:

Required

• 1-3 years of experience in Asset Based Lending, commercial banking, commercial finance, credit analysis, or portfolio management.
• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field.
• Strong understanding of financial statement analysis and commercial credit fundamentals.
• Strong analytical, organizational, and problem-solving skills.
• Proficiency in Microsoft Excel and financial analysis.

Preferred

• Experience with field examinations and collateral monitoring.
• Experience preparing annual reviews and portfolio management presentations.
• Knowledge of UCC collateral structures and ABL documentation.
• Exposure to leveraged or sponsor-backed borrowers.

Success Factors

• Demonstrate strong ownership of portfolio monitoring responsibilities.
• Proactively identify emerging risk trends and recommend appropriate action.
• Develop strong working relationships with borrowers and internal partners.
• Consistently deliver thoughtful collateral and credit analysis.
• Effectively manage reporting, compliance, and portfolio management deadlines.
• Progress toward assuming broader Portfolio Manager responsibilities.

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.