Credit Administrator - Asset Based Lending (ABL)

Sunflower Bank, N.A.; Houston (TX); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

401(k) Plan with 6% Match

Health/Dental/Vision Insurance

Company-paid Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Job summary

Sunflower Bank, N.A. is seeking an energetic, highly motivated individual for the full-time Credit Administrator - Asset Based Lending (ABL). You will support the ABL lending platform, monitor portfolio activities, and coach PMs to maintain underwriting quality in line with company standards.

The role requires 8+ years of ABL underwriting and portfolio management, strong MS Office skills, and travel as needed. ABL area leadership involvement and ongoing training are key aspects of the position.

Qualifications

• Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
• 8+ years in ABL underwriting and portfolio management and commercial credit analysis
• Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
• Travel will be required, as needed.

Responsibilities

• Ensure appropriate level of portfolio management support for ABL lending platform by staying abreast of the new deal pipeline and staffing deals appropriately.
• Support Portfolio Management knowledge and career development through participation in calls and customer meetings, understanding of credit and operating policies and business line strategies.
• Monitor, evaluate and coach ABL Portfolio Managers in portfolio management duties including underwriting new opportunities, renewals, modifications, borrowing base reviews, field exam reviews, appraisal reviews, loan advance approvals, Annual Review Jobs (ARJs), and covenant testing.
• Meet regularly with ABL Business leadership and the assigned Regional Senior Credit Administrator (RSCA) to review the portfolio and ensure team building/communication and appropriate portfolio management with a focus on the customer/borrower.
• Maintain current understanding of concentration limits and industry appetite.
• Maintain/Develop relationships with internal subject matter experts.
• Responsible for adherence and consistency to company’s loan policy/underwriting standards via the underwriting memos, change memos, ARJ, etc.
• Advocate for a collaborative/team credit administration culture throughout the company.
• Ensure ABL PMs and other ABL team members participate in the recurring portfolio reviews and rolling loan review meetings, as required.
• Ensure quality of underwriting of ABL loan portfolio is maintained to company standards and reflects the complexity of deal structures.
• Ensure annual training for all PMs to stay abreast with underwriting standards, etc. Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Skills

ABL underwriting

Portfolio management

Microsoft Office

Education

Bachelor’s Degree in Accounting or Finance

Tools

Solifi/Stucky System

Salesforce.com

nCino Bank Operating System

Job description

Description: At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com.

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Credit Administrator - Asset Based Lending (ABL).

Responsibilities:

• Ensure appropriate level of portfolio management support for ABL lending platform by staying abreast of the new deal pipeline and staffing deals appropriately.
• Support Portfolio Management knowledge and career development through participation in calls and customer meetings, understanding of credit and operating policies and business line strategies.
• Monitor, evaluate and coach ABL Portfolio Managers in portfolio management duties including underwriting new opportunities, renewals, modifications, borrowing base reviews, field exam reviews, appraisal reviews, loan advance approvals, Annual Review Jobs (ARJs), and covenant testing.
• Meet regularly with ABL Business leadership and the assigned Regional Senior Credit Administrator (RSCA) to review the portfolio and ensure team building/communication and appropriate portfolio management with a focus on the customer/borrower.
• Maintain current understanding of concentration limits and industry appetite.
• Maintain/Develop relationships with internal subject matter experts.
• Responsible for adherence and consistency to company’s loan policy/underwriting standards via the underwriting memos, change memos, ARJ, etc.
• Advocate for a collaborative/team credit administration culture throughout the company.
• Ensure ABL PMs and other ABL team members participate in the recurring portfolio reviews and rolling loan review meetings, as required.
• Ensure quality of underwriting of ABL loan portfolio is maintained to company standards and reflects the complexity of deal structures.
• Ensure annual training for all PMs to stay abreast with underwriting standards, etc. Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Education / Experience Preferred:

• Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
• 8+ years in ABL underwriting and portfolio management and commercial credit analysis
• Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
• Prefer prior experience with Solifi/Stucky system.
• Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Must possess excellent verbal and written communication skills.
• Travel will be required, as needed.

Pay is dependent on knowledge, skills, abilities, experience, and location.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.

Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates Enjoy Outstanding Benefits, Including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

You’ve never worked anyplace like Sunflower Bank!

EOE/AA: Minorities/Females/Disabled/Vets

Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.

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