Senior ABL Underwriter

W3Global; Boynton Beach (FL); On-site; USD 90,000 - 125,000; Full time

Job summary

W3Global is seeking a Senior Commercial Underwriter with strong ABL and factoring experience to evaluate complex credit proposals and support strategic lending decisions.

The ideal candidate will analyze financial statements, assess credit risk, and review collateral, borrowing bases, and debtor quality to guide financing decisions. This role emphasizes non-traditional lending beyond real estate, in a dynamic commercial finance environment.

Qualifications

• 5+ years of experience in Commercial Underwriting, ABL, Factoring, or Specialty Finance.
• Ability to interpret financial statements and assess credit risk.
• Experience with accounts receivable lending, collateral analysis, and borrowing bases.

Responsibilities

• Partner with Business Development and Senior Underwriting teams to evaluate prospective financing opportunities.
• Analyze financial statements, business performance, credit risk, and repayment capacity.
• Review accounts receivable, accounts payable, collateral, and borrowing base information.
• Prepare detailed credit review packages and recommendations for senior management.
• Participate in due diligence discussions with prospective clients.
• Perform or support collateral field examinations when required.
• Evaluate account debtor credit quality and business background information.
• Assist Portfolio Management teams with credit monitoring and risk mitigation activities.

Skills

Commercial Underwriting

ABL

Factoring

Credit Risk Analysis

Middle-market

Financial Statement Analysis

Borrowing Bases

Education

Bachelor's degree in Finance/Accounting/Business

Job description

About The Opportunity

We are partnering with a growing specialty finance organization seeking an experienced Senior Commercial Underwriter with a strong background in Asset-Based Lending (ABL) and/or Factoring.

This is a great opportunity for a seasoned commercial lending professional who enjoys analyzing businesses, evaluating credit risk, and contributing to strategic lending decisions.

The ideal candidate will have experience outside of traditional real estate lending and understand collateral-based commercial financing.

Key Responsibilities

• Partner with Business Development and Senior Underwriting teams to evaluate prospective financing opportunities
• Analyze financial statements, business performance, credit risk, and repayment capacity
• Review accounts receivable, accounts payable, collateral, and borrowing base information
• Prepare detailed credit review packages and recommendations for senior management
• Participate in due diligence discussions with prospective clients
• Perform or support collateral field examinations when required
• Evaluate account debtor credit quality and business background information
• Assist Portfolio Management teams with credit monitoring and risk mitigation activities

Qualifications

• 5+ years of experience in Commercial Underwriting, ABL, Factoring, or Specialty Finance
• Strong experience analyzing middle-market commercial businesses
• Ability to interpret financial statements and prepare credit recommendations
• Experience with accounts receivable lending, borrowing bases, and collateral analysis
• Strong understanding of commercial credit risk assessment
• Bachelor's degree in Finance, Accounting, Business, or related field preferred

Preferred Background

• Asset-Based Lending (ABL) underwriting experience
• Factoring industry experience
• Commercial Field Exam / Collateral Exam experience
• Experience within a non-bank lending environment

Ideal Candidate Profiles

• Senior Commercial Underwriter
• ABL Underwriter
• Asset-Based Lending Analyst
• Factoring Underwriter
• Commercial Credit Analyst
• Field Examiner
• Collateral Examiner

Please note: This role is focused on ABL/Factoring and commercial lending experience. Candidates with only real estate underwriting, mortgage lending, consumer credit, or insurance underwriting backgrounds will not be a fit.

If you are an experienced commercial lending professional looking for an opportunity where your credit expertise can directly impact financing decisions, we would like to connect.