Responsibilities

Lead Portfolio Reviews & Diligence: Manage the monthly financial review process for the entire customer base. Direct Associate support for data gathering, responsible for analysis and identifying red flags in financial statements.
Conduct Active Risk Management: Identify deteriorating credits or anomalies, trigger deeper reviews, lead diligence calls with borrowers.
Prepare Credit Modifications: Evaluate requests for line increases, term adjustments; write loan modification templates/memos with credit diligence and justification.
Own Compliance & Operations: Oversee and improve KYB/KYC, UCC lien filing, and lien management processes; suggest vendors or improvements.
Build & Maintain Analytics: Design portfolio monitoring dashboards aggregating credit, collateral, and operational data; use SQL, Python, Looker for automation and anomaly detection.
Analyze Trends: Monitor borrower and portfolio trends (CRR migration, LGD, DSO, exposure concentration) to inform strategies.
Drive Process Improvement: Improve internal reporting and data quality using low-code tools (SQL, Python, Airtable, Looker, Power Automate).

Requirements

3–7 years of experience in commercial lending, credit risk, or portfolio management (Asset-Based Lending or Working Capital experience highly preferred).
Hands-on experience reviewing financial statements, identifying risk factors, writing credit memos or loan modification justifications; comfortable discussing with CFOs.
Familiarity with lending operations: KYB/KYC regulations, UCC lien perfection, compliance management.
Proven experience with data analytics tools (SQL, Power BI, Tableau, Looker).
Working knowledge of low-code/automation tools (Power Automate, Airtable, Zapier) a strong plus.
Excellent verbal and written communication skills.
Bachelor’s degree in Finance, Business, Data Analytics, or related field (MBA or CFA a plus).