Senior Account Manager

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Commercial Full Time Austin, TX, US

4 days ago Requisition

The Senior Account Manager, Asset-Based Lending (ABL), is responsible for the ongoing management, servicing, and administration of an assigned portfolio of asset-based lending relationships. Reporting directly through the ABL business line, this position serves as a key resource in managing client relationships, and supporting the overall growth and profitability of the ABL portfolio.

The position requires a strong understanding of asset-based lending structures, borrowing base mechanics, commercial credit fundamentals, and collateral management. The Senior Account Manager works closely with Relationship Managers, Credit, Field Examination, Loan Operations, and other internal partners to ensure relationships are effectively managed, client needs are addressed, and portfolio performance remains consistent with the Bank's expectations.

This is a business-line portfolio management position, with responsibility for supporting client relationships, maintaining disciplined portfolio oversight, and facilitating timely execution of credit-related activities.

Essential Functions

• Manage an assigned portfolio of asset-based lending relationships during the initial screening and onboarding process, develop a comprehensive understanding of borrower operations, financial performance, liquidity, collateral, and overall relationship structure prior to transitioning to ABL underwriting team for final approval
• Serve as a primary point of contact for existing ABL clients, coordinating ongoing servicing needs, financial reporting requirements, and relationship activities.
• Partner with ABL Relationship Managers to manage client relationships, identify emerging needs, and support relationship retention, expansion, and profitability.
• Identify potential relationship concerns and proactively communicate recommendations to ABL leadership and appropriate internal stakeholders.

Asset-Based Lending & Collateral Oversight

• Review in conjunction with Portfolio Managers borrowing base certificates, collateral reporting, accounts receivable and inventory trends, and other information supporting the ongoing administration of ABL facilities.
• Review reporting prepared by Portfolio Managers covering Monitoring of collateral performance, availability, advance rates, dilution, concentrations, and other factors affecting borrowing capacity.
• Coordinate with collateral monitoring and Loan Operations teams to ensure borrowing activity, reporting requirements, and collateral administration are consistent with approved loan structures.
• Review field examination findings, collateral appraisals, and related third-party reports; coordinate follow-up and resolution of identified issues.
• Maintain a working knowledge of loan agreements, borrowing base provisions, collateral eligibility requirements, and transaction-specific covenants.
• Analyze borrower financial statements, operating performance, liquidity, cash flow, and working capital trends to support ongoing relationship management.
• Work collaboratively with Credit Administration and other approval authorities to facilitate timely review and execution of credit requests.
• Monitor compliance with approved credit terms, financial covenants, reporting requirements, and loan documentation.
• Assist in identifying and resolving documentation exceptions, covenant issues, and other portfolio management matters.
• Support internal portfolio reviews, regulatory examinations, and audit requests, as needed.

Business Line Support & Execution

• Support ABL leadership and Relationship…