ABL Portfolio Management

Job Summary

The Credit Portfolio Manager is responsible for overseeing the management and performance of Pinnacle's credit portfolio. This position ensures that the portfolio aligns with the organization's risk appetite and business objectives by monitoring, analyzing, and optimizing credit strategies. The manager collaborates with cross‑functional teams to identify trends, mitigate risks, and recommend improvements, while ensuring compliance with internal policies and regulatory requirements.

• Monitor and analyze credit portfolio performance, identifying trends and risks; develop and implement portfolio management strategies; ensure compliance with internal credit policies and external regulatory requirements; collaborate with credit, risk, and business teams; prepare and present portfolio reports to senior management; recommend improvements to enhance portfolio quality and performance; support stress testing, scenario analysis, and risk assessment activities; maintain up-to-date knowledge of industry trends and regulatory changes;
  
  provide guidance and mentorship to junior portfolio staff; manage relationships with external partners and business partners.

See Additional Below Specific Information regarding the position:

Bachelor's degree in Business, Finance, or related field;

minimum of 10 years of experience in credit portfolio management within financial services;

strong knowledge of credit risk assessment, portfolio management techniques, and regulatory requirements; excellent analytical, decision-making, and problem-solving skills; proven ability to manage complex portfolios and deliver results; proficiency with portfolio management software and financial systems; attention to detail and organizational skills; ability to work collaboratively with internal and external stakeholders.

Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.

Pinnacle Financial Partners is seeking a VP/SVP, ABL Portfolio Management to manage and oversee a portfolio of asset-based lending relationships across a variety of industries and borrower profiles.

This role serves as the primary credit owner following loan closing and is responsible for ongoing portfolio management, collateral monitoring, covenant compliance, and credit risk assessment. The individual will work closely with originations, underwriting, field exam providers, legal counsel, and operations to maintain portfolio quality, proactively identify risk, and deliver a high level of responsiveness to borrowers and internal stakeholders.

The ideal candidate possesses a strong understanding of asset-based lending structures, collateral monitoring, borrowing base administration, and middle‑market credit. This role requires the ability to identify emerging risks, develop practical solutions, and maintain strong relationships with borrowers while protecting the bank's interests.

• Manage a portfolio of asset-based lending relationships secured by accounts receivable, inventory, and other eligible collateral.
• Maintain primary post‑close credit responsibility for assigned relationships.
• Monitor borrower financial performance, liquidity, cash flow generation, and operating trends.
• Review monthly, quarterly, and annual borrower reporting to assess overall credit quality and identify emerging risks.
• Ensure compliance with loan agreements, reporting requirements, covenants, and borrowing base provisions.
• Maintain accurate risk ratings and recommend rating changes when warranted.
• Develop a comprehensive understanding of borrower operations, industry dynamics, liquidity drivers, and strategic objectives to proactively identify opportunities and risks.

• Manage both fully monitored asset‑based credit facilities and ABL Lite structures, applying an appropriate level of collateral monitoring, reporting requirements, and risk management based on transaction structure and complexity.
• Evaluate collateral reporting,…