SVP, ABL Portfolio Manager in Irvine, California at Customers Bank

Remote - California
Full time
REQ-2026-962

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Salary range: An annual salary range of $180,000 - $190,000 is what we expect to pay for this position, based on overall skills and experience.

Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.

Who is Customers Bank?

Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with.

We get you further, faster.

Focused on you: We provide every customer with a single point of contact. A dedicated team member who's committed to meeting your needs today and tomorrow.

On the leading edge: We're innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead.

Proven reliability: We always ground our innovation in our deep experience and strong financial foundation, so we're a partner you can trust.

What You'll Do:

The SVP, ABL Portfolio Manager is responsible for managing a portfolio of asset-based lending relationships, ensuring credit quality, collateral integrity, and profitability across an assigned book of business. This individual serves as the primary point of contact for existing clients, partners closely with Relationship Managers and Underwriting to structure and monitor facilities secured by accounts receivable, inventory, equipment, and other collateral, and plays a key role in identifying and mitigating portfolio risk. The role requires deep technical expertise in borrowing base mechanics, field examination findings, and financial statement analysis, combined with strong client relationship and leadership skills.

Portfolio Management & Credit Oversight

• Manage a portfolio of ABL relationships, monitoring borrowing base certificates, collateral reporting, and covenant compliance on an ongoing basis
• Analyze borrower financial statements, cash flow trends, and collateral performance to identify early warning signs of credit deterioration
• Partner with Field Examination and Appraisal teams to schedule and review collateral exams and inventory/equipment appraisals; assess findings and adjust advance rates or reserves as warranted
• Prepare and present annual reviews, renewals, and periodic credit updates to credit committee
• Oversee accurate and timely risk rating of assigned credits in accordance with bank policy

Relationship & Deal Management

• Serve as primary contact for assigned clients on day-to-day portfolio matters, servicing requests, waivers, and amendments
• Partner with Relationship Managers and Originators on add-on facilities, upsizes, refinancings, and cross-sell opportunities
• Coordinate with Legal and Closers on documentation of amendments, waivers, and new money transactions
• Manage borrowing base availability, overadvances, and reserves in coordination with Operations

Risk & Compliance

• Ensure the portfolio adheres to internal credit policy, regulatory requirements, and lending guidelines
• Identify and escalate problem credits; participate in workout/restructuring strategy alongside Special Assets when needed
• Maintain audit-ready files and documentation to support internal and regulatory examinations
• Monitor industry, sector, and macroeconomic trends that may affect portfolio risk

Leadership & Collaboration

• May mentor or oversee junior portfolio managers/analysts, reviewing their work and providing technical guidance
• Collaborate cross-functionally with Underwriting, Field Exam, Legal, Operations, and Special Assets
• Contribute to process improvement initiatives and policy development for the ABL platform

What Do You Need?

• Bachelor's degree in Finance, Accounting, Business, or related field
• 10+ years of experience in asset-based lending, commercial credit, or a related portfolio management/underwriting role
• Strong understanding of borrowing base mechanics, collateral monitoring, and field examination/appraisal review
• Advanced financial statement analysis, cash flow modeling, and covenant analysis skills
• Experience managing a diverse portfolio across industries and credit sizes
• Strong written and verbal communication skills, including experience presenting to credit committees

Preferred Qualifications

• Formal credit training (bank-sponsored credit program or equivalent)
• Experience with syndicated or multi-lender ABL facilities
• Prior exposure to workout, restructuring, or special assets processes
• Familiarity with industries such as manufacturing, distribution, retail, or transportation

Core Competencies

• Credit judgment and risk assessment
• Attention to detail and process discipline
• Client relationship management
• Negotiation and structuring skills
• Ability to manage competing priorities across a large portfolio
• Leadership and mentoring capability

Technology Skills:

• Ability to work with the Microsoft Suite and learn/work with other Customers Bank's applications.
• Proficiency in Excel and credit/loan monitoring systems.
• Familiarity with AI and automation tools that support productivity, workflow efficiency, and client engagement.

Customers Bank is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

We also provide “reasonable accommodations”, upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and applicable state and local laws.

Diversity Statement:

At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a culture which reflects the value we place on diversity, equity, and inclusion. We honor the diverse experiences, perspectives, and identities of our team members, and we recognize that it is their passion, creativity, and integrity that drives our success. Step into your future with us! Let’s take on tomorrow.

Founded in 2009, Customers Bank is a super-community bank with $20.3 billion in assets at June 30, 2022. We believe in dedicated personal service for the businesses, professionals, individuals and families we work with. We offer banking and loan services across Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.

Customers Bank is a member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance Corporation. Customers Bank is an equal opportunity lender. Customers Bank takes pride in delivering extremely high levels of customer service while charging comparatively very low fees; service that makes our clients say, “Wow.”

Customers Bank, with its headquarters located in Malvern, Pennsylvania, is a subsidiary of Customers Bancorp, Inc., a bank holding company. The voting common shares of Customers Bancorp, Inc. are listed on the New York Stock Exchange under the symbol CUBI.

Customer Service driven VEVRAA Federal Contractor, seeking priority referral of qualified protected veterans.
Customers Bank will provide consideration for employment to qualified applicants without regard to their race, color, religion,
national origin, sex/ gender, sexual orientation, gender identity, protected veteran status or disability.