Asset Based Lending Associate - Healthcare

Texas Capital Bank; Houston (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Fertility support

Life insurance

Disability insurance

401(k) with match

Paid time off

Paid holidays

PTO

Job summary

Texas Capital Bank in Houston seeks a credit/underwriting professional to support asset-based lending initiatives. You will assist with prescreens, due diligence, financial modeling, and deal structuring, collaborating with Underwriters and Treasury partners.

The role requires 1–3 years in asset-based or healthcare lending, strong Excel skills, and knowledge of borrowing base concepts. A Bachelor’s degree in accounting or finance is required; exposure to systems like Salesforce and ACBS is a

Qualifications

• 1–3 years of experience in asset-based lending or healthcare lending.
• Proficiency in financial systems and advanced Excel.
• Knowledge of ABL loan structures, collateral management and borrowing base concepts.

Responsibilities

• Assist underwriting with prescreening, due diligence, and financial modeling.
• Prepare prescreens and underwriting packages.
• Prepare yield analyses and Balance Sheet Forum packages.
• Participate in credit approval discussions and coordinate with deal owners.
• Review loan agreements, financial covenants, and assist with closing.
• Maintain systems such as Salesforce and Alloscape.
• Coordinate with Treasury Management to establish bank accounts and treasury services.
• Assist Portfolio Managers with PM Analyst duties when possible.

Skills

ABL knowledge

Collateral management

Borrowing base

Financial analysis

Excel proficiency

Client interaction

Education

Bachelor's degree in accounting/finance

Tools

Salesforce

Alloscape

ACBS

Stucky

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.

Key Responsibilities:

• Assist UW with prescreening new business transactions including due diligence, analyzing and spreading financial statements, financial modeling, deal structuring, analyzing collateral, company research and sponsor.
• Prepare prescreens and assist in underwriting packages.
• Prepare yield analysis and Balance Sheet Forum packages.
• Participate in Credit approval discussions and a knowledgeable deal owner.
• Work with Underwriter to complete steps necessary for documentation and closing including reviewing loan agreement for accuracy, establishing financial covenants, and collecting all information needed for Closer.
• System maintenance including Salesforce and Alloscape.
• Communication with prospects and customers Team with Treasury Management partners to establish bank accounts and other treasury services.
• Time permitting, assist Portfolio Managers with PM Analyst duties.

Key Competences:

• Knowledge of ABL loan structures, collateral management and borrowing base calculations with healthcare experience a plus
• Strong attention to detail
• Good organizational skills
• Solid communication and interpersonal skills with ability to interact effectively with clients and teammates
• Familiarity with regulatory and underwriting requirements related to healthcare ABL is a plus

Work Experience:

• 1-3 years of experience in asset-based lending, healthcare lending or financial analysis
• Proficiency in financial systems and software, with advanced skills in Excel
• Knowledge of ABL loan structures, collateral management and borrowing base calculations
• Experience with loan management systems (Stucky, ACBS, etc.)

Education:

• Bachelor's degree in accounting, finance or related areas

Texas Capital is an Equal Opportunity Employer.

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 banks at a scale that makes sense 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. Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named the #1 most trusted bank in the country on Newsweek’s inaugural list of America’s Most Trusted Companies