Senior Commercial Relationship Manager, SVP (Asset Based Lending) (Philadelphia)

Overview:The Asset Based Lending Relationship Manager (“ABL RM”) is responsible for originating, structuring, and managing asset-based lending relationships within the middle market, large corporate and sponsor-backed client segments. This role focuses on delivering customized working capital solutions supported by accounts receivable, inventory, and other collateral while managing risk and driving revenue growth.The ABL RM serves as the primary client contact for the ABL product, partnering closely with credit, underwriting, field exam, and portfolio management teams to deliver best-in-class financing solutions.Primary Responsibilities:Origination & Business DevelopmentSource new ABL opportunities across middle market, sponsor-backed and large corporate relationships through in house referrals and direct calling.Develop referral networks with private equity sponsors, investment bankers, CPA’s, consultants, syndication desks and internal partnersStructure and propose ABL facilities (revolving lines, term loans, FILOs, etc.)Lead deal execution from initial screening through approval and closingRelationship ManagementServe as primary point of contact for the ABL product post-closingMaintain strong client engagement and proactively identify cross-sell opportunitiesMonitor performance trends, liquidity, and collateral coverageManage renewals, amendments, and upsizing opportunitiesCredit & StructuringPartner with Credit to analyze financial performance, collateral quality, and liquidity driversStructure borrowing base formulas, advance rates, and covenant packagesEvaluate field exams, appraisals, and third-party reportsParticipate in credit memo development and approval presentationsRisk Management & Portfolio OversightMonitor borrowing base certificates, reporting compliance, and collateral trendsIdentify early warning signs and manage underperforming creditsCoordinate with Workout/Special Assets where appropriateEnsure adherence to internal policies and regulatory requirementsInternal Leadership & CollaborationCoordinate deal teams including underwriting, legal, and operationsMentor junior bankers and analysts where applicableContribute to regional ABL strategy and pipeline developmentEducation and Experience Required: Bachelors Degree Finance, Accounting, or related fieldor four years relevant experience. Minimum of seven years commercial portfolio management experience.Five years of experience in ABL, leveraged finance, or commercial bankingProven ability to originate and manage complex credit relationshipsStrong understanding of:Borrowing base mechanics (A/R, inventory, reserves)Collateral-driven underwritingSponsor and leveraged transactionsEducation and Experience Preferred: Familiarity with field exams, appraisals, and liquidation scenariosExisting network of sponsor and intermediary relationshipsMBA or CFA (optional)Key CompetenciesCredit judgment and structuring expertiseStrong client-facing and business development skillsNegotiation and deal execution capabilitiesAbility to manage multiple transactions simultaneouslyCollaboration across credit, portfolio management, and operationsPerformance MetricsNew loan production volumePortfolio revenue and return metricsCredit quality (risk rating migration, criticized assets)Client retention and cross-sell penetrationReporting StructureReports to: Group Manager – ABL / Commercial BankingWorks closely with:Credit / UnderwritingPortfolio ManagementField Exam & Collateral MonitoringSpecial AssetsM&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of AmericaSummaryLocation: Buffalo, NY; Philadelphia, PA; Boston, MA; Pittsburgh, PAType: Full time