Director, ABL Portfolio Management

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The Director, ABL Portfolio Management participates in the execution and achievement of Fifth Third Commercial Bank’s Asset Based Lending (ABL) strategic initiatives through day-to-day relationship management of a complex portfolio of ABL customers. The Director is the primary member of the ABL coverage team, managing all aspects of the ABL transaction. Directors are expected to be intimately involved in the deal process, making recommendations on appropriate credit structures, pricing, and other matters.

Directors are directly accountable for managing a complex portfolio of accounts through financial statement review, collateral reporting, proactive monitoring, and partnership with Relationship Managers. They are responsible and accountable for risk by exchanging ideas, raising concerns, and following policies and procedures.

• Manages the ongoing credit risk of a complex portfolio of ABL relationships and participates in portfolio meetings with senior management.
• Develops and maintains external relationships with assigned customers, including regular client meetings and business development calls, fostering customer satisfaction and retention.
• Independently attends client meetings with assigned clients, working with the manager on complex clients and workouts.
• Ensures ongoing customer satisfaction through managing loan structure and customer interface with line and support functions.
• Develops and maintains internal relationships with the coverage team (Relationship Managers/Credit Risk Officers).
• Develops and executes appropriate strategies for problem clients without supervision.
• Maintains up-to-date trend cards, portfolio review forms, credit files, and legal files using departmental resources.
• Captures and documents credit decisions, conditions, and modifications.
• Notes negative trends early and strategizes best solutions for the bank via trend cards, credit write-ups, and watch asset reports.
• Consistently evaluates and updates risk rating analysis, including overall ratings, PD, and LGD.
• Monitors timeliness of reporting, tickler information, and ensures accurate information for decision-making.
• Maintains focus on continuous learning to keep up with changing market dynamics.
• Has understanding of the ABL legal environment, basic secured transaction laws, and creditor rights, and shows interest in further knowledge development.
• Mentors junior team members including Credit Analysts, Associates, and Principals.
• Performs additional job-related duties as assigned.

Provides employees with timely, candid, and constructive performance feedback. Develops employees to their fullest potential and offers challenging opportunities that enhance career growth, ensuring appropriate talent for bench strength and succession planning. Recognizes and rewards employees for accomplishments.

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting).
• 8 years of credit analysis and/or loan review experience in Commercial Banking.
• Minimum 6-7 years of experience in an Asset Based Lending environment, in underwriting or field examination, or as a loan officer; or equivalent combination of education and experience.
• Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals. Effectively presents information and responds to questions from managers, clients, and the public.
• Advanced analytical, critical thinking, and verbal & written communication skills.
• Professional presence (client-facing).
• Experience managing an advanced commercial client portfolio with a degree of complexity.
• Ability to partner with all deal stakeholders including clients, relationship managers, and credit teams.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated expertise…