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About the Role

The Managing Director and Team Lead of Asset-Based Lending (ABL) Underwriting manages and develops a team of nationally based underwriters responsible for structuring and due diligence of ABL facilities. This role delivers high-quality credit recommendations, disciplined risk management, and timely execution, partnering closely with various internal and external stakeholders to drive prudent growth and sound portfolio performance.

Responsibilities

Set team strategy and capacity plan; assign and review work, calibrate credit judgment, and coach underwriters to elevate structuring quality and speed to decision.
Build talent through hiring, mentoring, performance management, and upskilling on ABL structures, sponsor financing nuances, and regulatory expectations.
Foster a culture of accountability, data-driven decisions, and continuous improvement.
Lead underwriting of new money, amendments, and renewals across revolvers, term loans (including FILO), and seasonal lines; provide clear recommendations, terms, and risk-mitigation actions.
Partner with ABL Business Development Team on preparation, review, and refinement of prescreens and proposals including structuring of the ABL facility.
Present complex credits to senior credit forums with crisp risk-reward articulation and stress case analysis.
Ensure underwrites address borrowing-base mechanics, advance rates, collateral controls, springing dominion/cash management, intercreditor terms, covenants, availability blocks, and liquidation analysis, consistent with OCC ABL guidance.
Provide underwriting leadership perspective on risk trends, early warning indicators, and industry sector concerns; proactively recommend risk mitigation strategies and underwriting posture adjustments.
Underwrite ABL solutions for complex capital structures including private-equity-backed companies (e.g., buyouts, add-ons, recapitalizations), including ABL only, ABL and Split Lien Term Loans (private credit and syndicated markets), ABL and Bond, ABL and Junior Capital and ABL First Out in a Uni-Tranche structure; evaluate sponsor equity contribution, track record, governance, and support.
Apply ABL best practices: sound underwriting standards, portfolio limits, pipeline management, enterprise-value considerations where relevant, and stress testing; maintain safe-and-sound practices as supervisory expectations evolve.
Serve as escalation point for complex, policy exception, or challenged credits; ensure appropriate transparency and alignment with senior credit leadership.
Provide market intelligence on competitive structuring trends, pricing, and documentation standards.
Underwrite or manage stressed/distressed ABL credits, including restructuring, liquidity management, and amendment negotiations.
Oversee quality of collateral diligence and field exams; ensure eligibility criteria, reserves, concentration limits, and appraisal inputs are appropriately set and reassessed.
Drive cadence and quality for Borrowing Base Certificate reporting, variance analysis, and availability reporting; adjust advance rates/controls as conditions change.
Interpret and operationalize credit policy, underwriting standards, and control frameworks specific to ABL (e.g., dominion, collateral audits, ineligibles, dilution tests, inventory obsolescence).
Deep familiarity with OCC leveraged lending and ABL supervisory guidance, including expectations around collateral controls, underwriting discipline, and enterprise risk management.
Partner with Credit Policy, ERM, and Audit to close gaps identified through QA, internal audit, or regulatory exams; maintain SLAs and model/documentation expectations.
Support regulatory examinations and horizontal reviews specific to ABL; ensure underwriting practices are defensible, well-documented, and aligned with supervisory expectations and translate evolving regulatory guidance into actionable underwriting standards.
Collaborate with Coverage/Originations to shape bankable structures and set realistic timelines; provide coaching on ABL fit and sponsor dynamics.
Work with Legal on definitive documentation; with Operations/TM to implement cash management controls; and with Collateral Ops/Field Exam vendors to schedule exams and resolve findings aligned to OCC guidance.
Use analytics to track cycle time, approval quality, and exceptions; lead process improvements that reduce rework and elevate credit quality.
Champion technology adoption for collateral analysis and underwriting workflow.
Familiarity with ABL systems (e.g., borrowing base platforms, collateral monitoring tools) and workflow automation to enhance underwriting scalability.

Requirements

Bachelor’s degree in finance, accounting, business, or related field; advanced degree or CFA/FRM a plus.
10+ years in ABL underwriting.
2+ years leading underwriters or a formal team lead role.
15+ years in commercial credit.
Prior experience coordinating field exams and collateral appraisals; working knowledge of eligibility tests, dilution, and inventory obsolescence reviews.
Knowledge of pipeline management, stress testing, and portfolio concentration frameworks for complex capital structure.
Familiarity with treasury management controls for ABL (lockbox, cash dominion) and operationalizing borrowing-base systems.
Demonstrated expertise in ABL structures (AR/inventory borrowing bases, availability blocks, reserves, dominion) and collateral monitoring consistent with OCC ABL expectations.
Strong financial statement analysis, modeling, cash-flow and liquidation analysis; excellent credit memo writing and presentation skills.
Experience managing distributed teams and high-volume, complex deal pipelines with multiple concurrent transactions.
Demonstrated ability to influence senior stakeholders including Credit Risk, Coverage, and Executive Leadership.

Skills

ABL underwriting
Structuring
Due diligence
Credit recommendations
Risk management
Team leadership
Talent development
Mentoring
Performance management
Upskilling
ABL structures
Sponsor financing
Regulatory expectations
Accountability
Data-driven decisions
Continuous improvement
New money underwriting
Amendments underwriting
Renewals underwriting
Revolvers
Term loans
FILO
Seasonal lines
Risk-mitigation
Prescreens
Proposals
Borrowing-base mechanics
Advance rates
Collateral controls
Dominion
Cash management
Intercreditor terms
Covenants
Availability blocks
Liquidation analysis
OCC ABL guidance
Risk trends
Early warning indicators
Industry sector concerns
Complex capital structures
Private-equity-backed companies
Buyouts
Add-ons
Recapitalizations
Split Lien Term Loans
Syndicated markets
ABL and Bond
Junior Capital
Uni-Tranche structure
Sponsor equity contribution
Sponsor track record
Sponsor governance
Sponsor support
ABL best practices
Portfolio limits
Pipeline management
Enterprise-value considerations
Stress testing
Safe-and-sound practices
Supervisory expectations
Policy exceptions
Challenged credits
Market intelligence
Structuring trends
Pricing
Documentation standards
Stressed/distressed ABL credits
Restructuring
Liquidity management
Amendment negotiations
Collateral diligence
Field exams
Eligibility criteria
Reserves
Concentration limits
Appraisal inputs
Borrowing Base Certificate reporting
Variance analysis
Availability reporting
Credit policy interpretation
Underwriting standards
Control frameworks
Collateral audits
Ineligibles
Dilution tests
Inventory obsolescence
OCC leveraged lending guidance
Enterprise risk management
Credit Policy
ERM
Audit
QA
Internal audit
Regulatory exams
SLAs
Model/documentation expectations
Regulatory examinations
Horizontal reviews
Underwriting practices
Documentation
Coverage/Originations collaboration
Bankable structures
Realistic timelines
ABL fit
Sponsor dynamics
Legal collaboration
Definitive documentation
Operations/TM collaboration
Cash management controls
Collateral Ops/Field Exam vendor collaboration
Analytics
Cycle time tracking
Approval quality tracking
Exception tracking
Process improvements
Rework reduction
Credit quality elevation
Technology adoption
Collateral analysis
Underwriting workflow
ABL systems
Borrowing base platforms
Collateral monitoring tools
Workflow automation
Scalability
Finance
Accounting
Business
CFA
FRM
Commercial credit
Field exams coordination
Collateral appraisals coordination
Eligibility tests
Dilution
Inventory obsolescence reviews
Portfolio concentration frameworks
Treasury management controls
Lockbox
Cash dominion
Borrowing-base systems operationalization
AR/inventory borrowing bases
Availability blocks
Reserves
Dominion
Collateral monitoring
Financial statement analysis
Modeling
Cash-flow analysis
Liquidation analysis
Credit memo writing
Presentation skills
Distributed teams management
High-volume deal pipelines
Complex deal pipelines
Concurrent transactions management
Stakeholder influence
Credit Risk influence
Coverage influence
Executive Leadership influence

Location

Nationally based

Work Type

Office
Flexible work arrangement
In-office
Work from home
Remote

Experience Level

10+ years in ABL underwriting
2+ years leading underwriters or a formal team lead role
15+ years in commercial credit

Education Level

Bachelor’s degree in finance, accounting, business, or related field
Advanced degree or CFA/FRM a plus

Salary/Compensations

$125,000 - $255,000 Annual Salary

Benefits

Applicable incentive compensation plan
Health insurance coverage
Wellness program
Life and disability insurance
Retirement savings plan
Paid leave programs
Paid holidays
Paid time off (PTO)

About the Company

Huntington is an Equal Opportunity Employer.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

Equal Opportunity

Huntington is an Equal Opportunity Employer.