Asset-Based Lending Associate

THIS JOB CAN BE FOUND ON OUR EXCLUSIVE JOB BOARD IT IS NOT A DIRECT ROLE AT AUGMENT JOBS.

Job Description: AssetBased Lending Associate

Position Overview:
We are seeking an experienced and highly analytical AssetBased Lending Associate to join our lending and credit team. This role is critical in structuring underwriting and managing complex assetbased lending (ABL) transactions across various industries. As an ABL Associate you will lead key aspects of the lending process including credit evaluation collateral analysis and portfolio management while collaborating with senior leadership and mentoring junior team members.

• Evaluate borrower financial statements collateral profiles and industry trends to assess creditworthiness.
• Develop and refine complex financial models to analyze borrowing base availability cash flow forecasts and risk scenarios.
• Conduct due diligence on collateral including accounts receivable inventory and fixed assets to determine asset values and liquidation potential.
• Prepare detailed credit memoranda and present recommendations to internal credit committees.

• Lead components of transaction structuring including negotiating terms covenants and documentation.
• Collaborate with internal teams borrowers and external advisors to ensure smooth execution of lending facilities.
• Oversee loan documentation preparation ensuring compliance with internal policies and regulatory requirements.

• Monitor the financial performance and collateral trends of portfolio loans ensuring covenant compliance and risk mitigation.
• Analyze borrowing base reports collateral fluctuations and borrower operational metrics.
• Identify and address potential risks or opportunities within the portfolio including restructurings or amendments.
• Prepare and present portfolio updates and performance reports to senior leadership and stakeholders.

• Stay informed on trends in assetbased lending markets including regulatory changes and economic factors.
• Conduct research to identify emerging opportunities in specific industries or collateral types.
• Contribute to the development and refinement of underwriting policies and investment strategies.

• Mentor and guide junior team members providing support in financial modeling credit analysis and deal execution.
• Collaborate with senior leadership on strategic initiatives and deal pipeline management.
• Build and maintain relationships with borrowers intermediaries and industry stakeholders.

• Bachelors degree in Finance Economics Accounting Business Administration or a related field (required).
• Advanced degree (MBA or CFA designation) is preferred but not required.

• 3 5 years of experience in assetbased lending commercial lending credit analysis or related fields.
• Proven expertise in collateral analysis loan structuring and portfolio management.

• Advanced financial modeling and valuation skills with proficiency in Excel.
• Strong understanding of assetbased lending structures borrowing base calculations and risk management principles.
• Excellent written and verbal communication skills with the ability to articulate complex ideas clearly.
• Highly organized and detailoriented with the ability to manage multiple tasks and meet deadlines.
• Proficiency in financial databases and tools such as Bloomberg S&P Capital IQ or similar platforms.

• Entrepreneurial mindset with a proactive and resultsdriven approach.
• Strong interpersonal and relationshipbuilding skills with the ability to collaborate effectively across teams.
• Passion for assetbased lending and credit investing.
• Adaptable and capable of thriving in a dynamic and fastpaced environment.