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.

Make sure to read the full description below, and please apply immediately if you are confident you meet all the requirements.

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. xhqgsiq
• Maintain accurate collateral records and reporting data within internal loan management systems.