Commercial Collateral Analyst I

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! The Commercial Collateral Analyst is responsible for monitoring, analyzing, and evaluating collateral securing commercial loans, including loans with borrowing base certificate requirements and asset-based lending structures. This role reviews client reporting, reconciles borrowing base certificates to supporting documentation, evaluates collateral trends, and ensures borrowers remain within approved collateral availability and loan terms. The position works closely with Relationship Managers, Credit Officers, the Line of Business Leaders, clients, and third-party vendors to resolve reporting issues, collateral concerns, documentation deficiencies, and over-advance situations. The role requires strong financial, accounting, credit, and loan documentation knowledge, as well as independent judgment, sound decision-making, and effective communication. Essential Functions/Responsibilities Perform collateral valuation and borrowing base analysis Analyze collateral securing commercial and Business Capital loans, including accounts receivable, inventory, machinery and equipment, real estate, and other business assets. Review collateral values to ensure borrowers are not over-advanced relative to eligible collateral and approved advance rates. Review, reconcile, and interpret borrower reporting Review borrowing base certificates and supporting documentation, including accounts receivable aging reports, inventory reports, reconciliations, and other required financial reporting. Identify ineligible collateral, concentrations, trends, changes in collateral quality, and reporting inconsistencies. Interpret findings and communicate concerns to the appropriate lending authority. Monitor loan availability, line holds, and collateral controls Apply borrowing base calculations and advances within the asset-based lending system. Direct appropriate modifications to line freeze or hold amounts on revolving lines of credit based on independent analysis of borrower reporting, collateral values, and loan documentation. Monitor and elevate over-advances, collateral deficiencies, or other material concerns. Coordinate with internal partners, clients, and third-party vendors Work directly with Relationship Managers, Credit Officers, clients, and the Line of Business Leaders to obtain required daily, weekly, or monthly reporting and resolve missing, incomplete, or unbalanced documentation. Independently coordinate third-party field exams, including vendor engagement, scope, timeline, and fee coordination. Administer and monitor loan documentation and reporting requirements Enter and maintain customer reporting requirements in the asset-based lending loan/collateral system. Prepare BBC Templates and CMG collateral Review spreadsheets for new and existing customers. Manage exceptions, maturities, delinquencies, and portfolio maintenance Monitor and assist with exception management, maturing loan reports, delinquency management, and updates to loan portfolio information. Clear Structured Capital and Corporate Banking financial BBC reporting items in applicable systems and help ensure loan files and collateral records remain accurate and current. Maintain accuracy, compliance, and process integrity Ensure client-submitted documentation is accurate, complete, and consistent with loan approvals, credit policy, regulatory expectations, underwriting standards, and loan documentation requirements. Follow established processes while identifying opportunities to improve efficiency, accuracy, and risk management. Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job Associate degree required, preferably in finance, accounting, business, or a related field; equivalent work experience may be considered. Minimum of 3 years of accounting, commercial lending, credit analysis, loan operations, asset-based lending, or related financial services experience. Experience with asset-based lending, cash flow lending, leveraged lending, mezzanine lending, or commercial loan collateral monitoring preferred. Working knowledge of borrowing base certificates, loan agreements, collateral reporting, accounts receivable, inventory, and supporting financial documentation. Ability to analyze financial and collateral data, identify trends, reconcile reporting, and draw sound conclusions. Strong attention to detail and commitment to accuracy, documentation quality, and defined processes. Strong verbal, written, listening, and professional communication skills. Ability to manage multiple priorities, meet deadlines, and follow up effectively with internal and external partners. Ability to work independently with limited supervision while exercising sound judgment. Proficiency w #J-18808-Ljbffr bankatfirst