Third Coast Bank
Position Summary
We are seeking a highly analytical and detail-oriented
Asset-Based Lending (ABL) Collateral Analyst
to support the ongoing management, monitoring, and administration of our ABL credit portfolio. This position is responsible for analyzing collateral reporting, evaluating borrowing base certificates, and ensuring the bank’s secured positions remain properly margined and compliant. The ideal candidate will have a solid foundation in commercial lending, a strong understanding of collateral dynamics, and 3–5 years of relevant experience in asset-based lending, field examination, or credit operations.
Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Borrowing Base & Collateral Analysis
Review, analyze, and reconcile client borrowing base certificates (BBCs) and supporting collateral schedules including accounts receivable, inventory, and other pledged assets.
Monitor borrowing availability and ensure compliance with advance formulas, concentration limits, ineligibles, and other loan structure requirements.
Validate collateral values against supporting documentation, including agings, invoices, inventory reports, and third-party audits.
Identify collateral trends, dilution issues, or discrepancies and elevate potential risks to portfolio management and credit leadership.
Ongoing Monitoring & Portfolio Support
Track collateral reporting frequency and ensure all client deliverables are received timely and accurately.
Assist in preparing collateral trend reports, variance analyses, and portfolio summaries for internal stakeholders.
Support field exam coordination, annual reviews, and periodic collateral audits by gathering data, validating findings, and preparing analysis.
Partner with relationship managers, credit officers, and operations teams to resolve exceptions or documentation issues quickly.
Risk & Compliance Oversight
Ensure all collateral monitoring activities comply with bank policies, credit agreements, and regulatory standards.
Maintain accurate records of borrowing base submissions, calculations, and approvals within the loan servicing system.
Assist with internal and external audits by providing documentation, reconciliations, and detailed collateral analysis.
Follow policies and procedures; complete tasks correctly and on time; support the Bank’s goals and values.
Performs all other duties as assigned.
Supervisory Responsibility This position has no supervisory responsibilities.
Job Type This is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.
Travel No travel is expected for this position.
Work Environment This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers.
Physical Demands This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
Mental Demands The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.
Education and Experience
Bachelor’s degree in Finance, Accounting, Business, or a related field (or equivalent work experience).
3–5 years of experience in asset-based lending, factoring (PM experience), commercial credit analysis, collateral monitoring, or field examination.
Strong knowledge of borrowing base structures, accounts receivable and inventory financing, and collateral risk management.
Proficiency in analyzing complex financial and collateral data with exceptional attention to detail and accuracy.
Excellent organizational, time management, and problem-solving skills.
Strong communication skills with the ability to collaborate effectively across credit, operations, and relationship management teams.
Proficiency with Microsoft Excel and commercial lending software platforms.
Effective verbal, written and interpersonal communication skills.
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
Excellent organizational and time management skills.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
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Asset-Based Lending (ABL) Collateral Analyst
to support the ongoing management, monitoring, and administration of our ABL credit portfolio. This position is responsible for analyzing collateral reporting, evaluating borrowing base certificates, and ensuring the bank’s secured positions remain properly margined and compliant. The ideal candidate will have a solid foundation in commercial lending, a strong understanding of collateral dynamics, and 3–5 years of relevant experience in asset-based lending, field examination, or credit operations.
Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Borrowing Base & Collateral Analysis
Review, analyze, and reconcile client borrowing base certificates (BBCs) and supporting collateral schedules including accounts receivable, inventory, and other pledged assets.
Monitor borrowing availability and ensure compliance with advance formulas, concentration limits, ineligibles, and other loan structure requirements.
Validate collateral values against supporting documentation, including agings, invoices, inventory reports, and third-party audits.
Identify collateral trends, dilution issues, or discrepancies and elevate potential risks to portfolio management and credit leadership.
Ongoing Monitoring & Portfolio Support
Track collateral reporting frequency and ensure all client deliverables are received timely and accurately.
Assist in preparing collateral trend reports, variance analyses, and portfolio summaries for internal stakeholders.
Support field exam coordination, annual reviews, and periodic collateral audits by gathering data, validating findings, and preparing analysis.
Partner with relationship managers, credit officers, and operations teams to resolve exceptions or documentation issues quickly.
Risk & Compliance Oversight
Ensure all collateral monitoring activities comply with bank policies, credit agreements, and regulatory standards.
Maintain accurate records of borrowing base submissions, calculations, and approvals within the loan servicing system.
Assist with internal and external audits by providing documentation, reconciliations, and detailed collateral analysis.
Follow policies and procedures; complete tasks correctly and on time; support the Bank’s goals and values.
Performs all other duties as assigned.
Supervisory Responsibility This position has no supervisory responsibilities.
Job Type This is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.
Travel No travel is expected for this position.
Work Environment This job operates in a professional office environment. This position uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets and printers.
Physical Demands This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
Mental Demands The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.
Education and Experience
Bachelor’s degree in Finance, Accounting, Business, or a related field (or equivalent work experience).
3–5 years of experience in asset-based lending, factoring (PM experience), commercial credit analysis, collateral monitoring, or field examination.
Strong knowledge of borrowing base structures, accounts receivable and inventory financing, and collateral risk management.
Proficiency in analyzing complex financial and collateral data with exceptional attention to detail and accuracy.
Excellent organizational, time management, and problem-solving skills.
Strong communication skills with the ability to collaborate effectively across credit, operations, and relationship management teams.
Proficiency with Microsoft Excel and commercial lending software platforms.
Effective verbal, written and interpersonal communication skills.
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
Excellent organizational and time management skills.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
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