Senior 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: Senior AssetBased Lending Associate

Position Overview:
We are seeking an experienced and resultsoriented Senior AssetBased Lending Associate to join our lending and credit team. In this role you will lead the evaluation structuring and management of complex assetbased lending (ABL) transactions across various industries. The ideal candidate will have a strong background in credit analysis collateral valuation and portfolio management with proven experience in structuring and executing ABL deals. You will collaborate with senior leadership manage key client relationships and mentor junior team members.

• Lead comprehensive credit analysis for prospective borrowers including financial statement reviews cash flow analysis and collateral evaluations.
• Develop and oversee advanced financial models to assess borrowing base availability repayment capacity and riskadjusted returns.
• Conduct thorough due diligence on collateral such as accounts receivable inventory and fixed assets to determine asset quality and liquidation values.
• Prepare detailed credit memoranda and present findings and recommendations to internal credit committees.

• Structure assetbased lending facilities including negotiating terms covenants and repayment structures with borrowers.
• Collaborate with internal teams legal advisors and external stakeholders to ensure smooth transaction execution.
• Oversee loan documentation preparation ensuring alignment with regulatory requirements and internal credit policies.
• Lead deal closing processes ensuring all conditions precedent are met and documentation is complete.

• Monitor and manage the performance of portfolio loans analyzing borrower financial health collateral trends and compliance with loan covenants.
• Identify potential risks within the portfolio and recommend strategies for risk mitigation such as restructurings or amendments.
• Collaborate with borrowers and portfolio managers to support loan renewals refinancing or exit strategies.
• Prepare and present portfolio updates performance reports and strategic insights to senior leadership and investors.

• Stay informed on industry trends economic developments and regulatory changes impacting assetbased lending.
• Conduct market research to identify growth opportunities in specific sectors or collateral types.
• Contribute to the refinement of underwriting frameworks risk management policies and deal evaluation criteria.

• Mentor and guide junior analysts providing training in credit analysis financial modeling and deal structuring.
• Collaborate with senior leadership on strategic initiatives and business development efforts.
• Represent the firm in client meetings industry events and negotiations with borrowers and intermediaries.

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

• 5 7 years of experience in assetbased lending commercial lending credit analysis or related fields.
• Proven expertise in underwriting deal structuring and portfolio management.

• Advanced financial modeling and valuation skills with strong proficiency in Excel.
• Deep understanding of assetbased lending structures collateral types and risk assessment methodologies.
• Excellent written and verbal communication skills with the ability to present complex ideas clearly.
• Highly organized and detailoriented with the ability to manage multiple transactions and meet deadlines.
• Proficiency in financial tools and databases 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 manage client relationships effectively.
• Passion for assetbased lending and a commitment to delivering value through disciplined credit analysis.
• Adaptable and capable of thriving in a fastpaced dynamic environment.