ABL Portfolio Management Director

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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 transaction elements.

They are directly accountable for managing a complex portfolio of accounts through review of financial statements, collateral reporting, proactive monitoring, and partnership with Relationship Managers.

Directors are responsible for risk by openly exchanging ideas, elevating concerns, and personally following policies and procedures. They are accountable for always doing the right thing for customers and colleagues, ensuring that actions and behaviors drive a positive customer experience. While operating within the bank’s risk appetite, Directors achieve results by identifying, assessing, managing, monitoring, and reporting risks of all types.

• 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 to ensure customer satisfaction and retention.
• Independently attends client meetings with assigned clients; works 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 that 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 departmental resources.
• Captures and documents credit decisions, conditions, and modifications.
• Notes negative trends early and strategizes best solutions for the bank through trend cards, portfolio review forms, credit write‑ups, and watch asset reports.
• Consistently evaluates/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.
• Focuses on continuous learning to keep up with ever‑changing market dynamics.
• Understands the ABL legal environment, including secured transaction laws and creditor rights, and shows a strong interest in further developing that knowledge.
• 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, offers challenging opportunities that enhance career growth, and ensures adequate bench strength and succession planning. Recognizes and rewards employees for accomplishments.

• Bachelor’s degree in Business (e.g., Business Administration, Finance, or Accounting).
• Eight years of credit analysis and/or loan review experience in Commercial Banking.
• Minimum six‑seven 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 business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals and to present information effectively to groups of managers, clients, and the…