Collateral Analyst - Asset Based Lending

An established specialty finance firm is seeking a Collateral Analyst to join its team in Boca Raton, Florida. This individual will work closely with Portfolio Management and cross-functional teams to monitor and analyze collateral supporting commercial lending facilities, assess borrowing capacity, and identify potential portfolio risks.

The role offers the opportunity to gain hands-on experience across asset-based lending, credit analysis, and portfolio monitoring while working directly with borrowers and internal stakeholders in a collaborative, fast-paced environment.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field.
• At least 1 year of relevant experience preferred, particularly in asset-based lending, trade finance, commercial lending, accounting, audit, or financial operations.
• Advanced proficiency in Microsoft Excel.
• Strong analytical and quantitative skills, with the ability to interpret financial information and evaluate collateral data.
• Excellent organizational, communication, and problem-solving skills.
• Ability to manage multiple priorities in a fast-paced, deadline-driven environment while maintaining a high level of accuracy.
• Strong attention to detail and a proactive approach to identifying and resolving issues.

Key Responsibilities

• Review weekly borrowing base certificates and supporting documentation to validate collateral eligibility, borrowing capacity, advance rates, and compliance with credit agreements.
• Analyze accounts receivable, inventory, customer concentrations, aging trends, dilution, reserves, and other collateral metrics to identify potential risks and unusual activity.
• Investigate collateral discrepancies, reporting inconsistencies, and covenant concerns, escalating issues and recommending appropriate solutions.
• Prepare portfolio reports, written analyses, and management presentations highlighting performance trends, key risk factors, and material developments.
• Develop a strong understanding of borrowers’ business models, collateral profiles, industry dynamics, and financing structures.
• Communicate directly with borrowers and their finance teams to resolve reporting questions, obtain supporting documentation, and ensure timely submissions.
• Support Relationship Managers with portfolio monitoring, client inquiries, and ongoing relationship management.
• Collaborate with Underwriting, Deal Execution, Operations, Legal, and Portfolio Management on new client onboarding and ongoing portfolio administration.
• Assist with credit facility amendments, renewals, covenant modifications, and other financing changes requiring collateral review.
• Monitor compliance with borrowing base reporting, insurance requirements, and other collateral-related obligations.
• Maintain accurate collateral records and reporting data within internal loan management systems.