RM Team Lead Asset Based Lending – Abl

RM Team Lead Asset Based Lending – Abl

Requirements

• 10+ years of banking industry expertise, with a strong background in Asset-Based Lending, including a strong understanding of collateral.
• Proven track record of building and managing a sales pipelines and driving high-value client engagements.
• Bachelor’s degree in Finance, Business, or a related field required; MBA or other advanced degree is preferred. Formal Credit Training preferred.
• Deep financial product expertise across deposits, lending, payments, treasury management, and banking strategy and execution.
• History of consistently high-quality project delivery/leadership for large and complex engagements. Demonstrated ability to understand customers, influence/gain consensus, and manage risk.
• Demonstrated understanding of current trends, buying patterns and insights within industry or portfolio of business; ability to balance business strategy and goals, customer needs, and business financial health.
• Track record of leading negotiations and successfully closing deals with major clients, ensuring alignment with financial and operational objectives.
• Proven leadership skills, capable of motivating, developing, and managing a specialized team.
• Strong interpersonal and negotiation skills, with a track record of managing high-stakes client interactions effectively.
• Comprehensive knowledge of regulatory frameworks, credit policies, and operational risk controls relating to loan asset management.
• Proficiency with commercial banking platforms, loan tracking platforms and CRM tools such as Salesforce.

Responsibilities

• Lead and manage a team of relationship managers, providing guidance, support, and mentorship to team members.
• Track and evaluate portfolio performance, identify emerging trends, and recommend actions aligned with IDB’s strategic growth objectives.
• Oversee the team’s workflow by proactively managing client requests and ensuring the quality and timely completion of all credit deliverables, including client inquiries, periodic credit reviews, evaluation of all ABL diligence materials, and prompt updates to credit risk ratings.
• Manage and resolve portfolio issues relating to past due documentation, annual account reviews, expiring credit facilities, overdrafts, uncollected funds and advances.
• Contribute toward market wide vision and strategy, bringing deep understanding of Banking Industry and/or Customer Portfolio to represent customer trends and needs.
• Bring a business builder mindset driving the success of the portfolio through supervision of all portfolio management functions, crafting the strategic direction, and aligning resource allocation.
• Focus on developing profitable business strategies, cross-sell and fostering high-value client relationships within their client portfolio.
• Actively advocate for deals in client meetings and credit approval discussions, engaging thoughtfully and respectfully with business line and credit partners on deal structure, risks, and mitigants.
• Ensure proactive monitoring of client financial health and early identification of potential credit issues through adherence to credit risk policies, structuring sound transactions that mitigate risk while meeting client needs.
• Individually pursues business development efforts on aligned account(s) as part of direct KPI metrics expectations.
• Provide guidance, coaching, mentoring, and subject matter expertise to direct reports. Provide consistent feedback and effectively manage performance.

Preferred Qualifications

• MBA or other advanced degree is preferred. Formal Credit Training preferred.
• Prior experience with Salesforce and Core Banking systems is beneficial but not required. Other CRM experience is a plus.
• Jack Henry/SilverLake, FiServ banking application experience is a plus but not required.