Senior Account Manager

Third Coast Bank; Dallas (TX); On-site; USD 110,000 - 150,000; Full time

Job summary

Third Coast Bank seeks a Senior Account Manager for Asset-Based Lending (ABL) to oversee a dedicated portfolio of client relationships and ensure disciplined portfolio management. The role involves servicing, collateral oversight, and collaboration with underwriting and operations to drive profitability.

You will analyze borrower financials, monitor covenants, and support credit requests. Strong ABL and collateral expertise, plus excellent communication, are essential.

Qualifications

• Bachelor's degree in Finance, Accounting, or Business Administration.
• 10+ years of commercial banking/ABL experience.
• Strong knowledge of borrowing bases, collateral, and credit structures.
• Experience analyzing financial statements and borrower performance.

Responsibilities

• Manage an assigned ABL portfolio during onboarding and servicing.
• Serve as primary contact for existing ABL clients and coordinate servicing needs.
• Partner with Relationship Managers to retain, expand, and improve profitability.
• Review borrowing base certificates, collateral reporting, and related data.
• Coordinate with collateral monitoring and loan operations teams for compliance.
• Support portfolio reviews, regulatory examinations, and audits.

Skills

Asset-based lending

Portfolio management

Credit underwriting

Financial analysis

Borrowing base

Collateral management

Relationship management

Communication

MS Office

Field examination

Education

Bachelor's degree in Finance, Accounting, or Business Administration

Tools

Microsoft Office

Job description

The Senior Account Manager, Asset-Based Lending (ABL), is responsible for the ongoing management, servicing, and administration of an assigned portfolio of asset-based lending relationships. Reporting directly through the ABL business line, this position serves as a key resource in managing client relationships, and supporting the overall growth and profitability of the ABL portfolio.

The position requires a strong understanding of asset-based lending structures, borrowing base mechanics, commercial credit fundamentals, and collateral management. The Senior Account Manager works closely with Relationship Managers, Credit, Field Examination, Loan Operations, and other internal partners to ensure relationships are effectively managed, client needs are addressed, and portfolio performance remains consistent with the Bank's expectations.

This is a business-line portfolio management position, with responsibility for supporting client relationships, maintaining disciplined portfolio oversight, and facilitating timely execution of credit-related activities.

Essential Functions

Portfolio & Relationship Management

• Manage an assigned portfolio of asset-based lending relationships during the initial screening and onboarding process, develop a comprehensive understanding of borrower operations, financial performance, liquidity, collateral, and overall relationship structure prior to transitioning to ABL underwriting team for final approval
• Serve as a primary point of contact for existing ABL clients, coordinating ongoing servicing needs, financial reporting requirements, and relationship activities.
• Partner with ABL Relationship Managers to manage client relationships, identify emerging needs, and support relationship retention, expansion, and profitability.
• Identify potential relationship concerns and proactively communicate recommendations to ABL leadership and appropriate internal stakeholders.

Asset-Based Lending & Collateral Oversight

• Review in conjunction with Portfolio Managers borrowing base certificates, collateral reporting, accounts receivable and inventory trends, and other information supporting the ongoing administration of ABL facilities.
• Review reporting prepared by Portfolio Managers covering Monitoring of collateral performance, availability, advance rates, dilution, concentrations, and other factors affecting borrowing capacity.
• Coordinate with collateral monitoring and Loan Operations teams to ensure borrowing activity, reporting requirements, and collateral administration are consistent with approved loan structures.
• Review field examination findings, collateral appraisals, and related third-party reports; coordinate follow-up and resolution of identified issues.
• Maintain a working knowledge of loan agreements, borrowing base provisions, collateral eligibility requirements, and transaction-specific covenants.

Credit Coordination & Portfolio Analysis

• Analyze borrower financial statements, operating performance, liquidity, cash flow, and working capital trends to support ongoing relationship management.
• Work collaboratively with Credit Administration and other approval authorities to facilitate timely review and execution of credit requests.
• Monitor compliance with approved credit terms, financial covenants, reporting requirements, and loan documentation.
• Assist in identifying and resolving documentation exceptions, covenant issues, and other portfolio management matters.
• Support internal portfolio reviews, regulatory examinations, and audit requests, as needed.

Business Line Support & Execution

• Support ABL leadership and Relationship Managers in managing portfolio capacity, client responsiveness, and operational efficiency.
• Participate in client meetings, relationship reviews, and discussions involving facility structures, collateral performance, and ongoing financing needs.
• Coordinate with Treasury Management and other Bank partners to identify opportunities to deepen existing client relationships.
• Assist with onboarding new ABL relationships, including coordination of documentation, collateral reporting, loan closing, and operational requirements.
• Maintain accurate and timely portfolio information, relationship reporting, and internal management updates.
• Contribute to the continued development and improvement of ABL portfolio management processes and practices.
• Perform other duties as assigned.

Skills & Experience

• 10+ years of commercial banking, asset-based lending, commercial portfolio management, or related experience, with direct ABL experience strongly preferred.
• Strong understanding of asset-based lending structures, including revolving credit facilities secured by accounts receivable, inventory, and other eligible collateral.
• Demonstrated experience analyzing financial statements, borrowing base certificates, collateral reporting, and commercial lending relationships.
• Working knowledge of field examinations, collateral appraisals, loan documentation, and borrowing base administration.
• Ability to independently manage multiple borrower relationships and coordinate complex portfolio activities.
• Strong analytical skills with the ability to identify financial, operational, and collateral trends affecting borrower performance.
• Understanding of commercial credit underwriting, loan structuring, financial covenants, and risk identification.
• Strong interpersonal and communication skills with the ability to interact effectively with clients, Relationship Managers, Credit, and senior management.
• Demonstrated ability to prioritize competing deadlines, exercise sound judgment, and independently resolve issues.
• Strong organizational skills, attention to detail, and proficiency with financial analysis and Microsoft Office applications.
• Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred; equivalent professional experience considered.

Position Type:

This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.

Direct Reports:

No.

Travel:

Some travel may be required