Director, ABL Portfolio Management

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General Function:
The Director, ABL Portfolio Management participates in the execution and achievement of the 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, ABL Portfolio Management 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, etc.

They are directly accountable for managing a complex portfolio of accounts through review of financial statements, collateral reporting (including borrowing base certificate analysis, appraisals of M&E and real estate along with any additional 3rd‑party work such as field exams), proactive monitoring, and partnership with the appropriate Relationship Managers. They are responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.

They are accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience.

• 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, helping to ensure customer satisfaction and retention.
• Independently attends client meetings with assigned clients, working with manager on complex clients and workouts.
• Ensures ongoing customer satisfaction through managing both the loan structure and customer interface with line and support functions who service their accounts.
• Develops and maintains internal relationships with the coverage team including Relationship Managers and 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 through the department’s resources.
• Captures and documents credit decisions, conditions, and modifications.
• Identifies negative trends early and strategizes best solutions for the bank, preparing and presenting 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 the bank has accurate information to make decisions and retains expert knowledge on the accounts and their credit files.
• Focuses on continuous learning to keep up with ever‑changing market dynamics.
• Has understanding of the ABL legal environment including secured transaction laws and creditor rights and shows strong interest in further developing that knowledge.
• Mentors junior team members including Credit Analysts, Associates and Principals.
• Performs additional job‑related duties as assigned.

Responsible for providing employees timely, candid and constructive performance feedback. Develops employees to their fullest potential and provides challenging opportunities that enhance employee career growth; develops the appropriate talent pool to ensure adequate 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 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 general…