Collateral Analyst Job Description

Unlike the Relationship Manager, who owns the client relationship and the credit decision, the Collateral Analyst owns the borrowing base itself: the daily arithmetic of accounts receivable, inventory, and ineligible collateral that determines exactly how much a borrower can draw. That ownership sits inside asset-based lending, where availability shifts with each aging report and each advance request. The work reconciles collateral records against loan systems so a Portfolio Manager can trust the number before funds move. Nobody signs a wire without that number.

You will own the borrowing base for a portfolio of asset-based lending clients, serving as the Collateral Analyst who turns receivables, inventory, and advance requests into a number the bank can lend against. Working alongside Relationship Managers and Portfolio Managers, and reporting to the Collateral Manager, the analyst keeps that number current every day the market moves.

Career Impact: Fluency in borrowing base mechanics is a credential lenders recognize when analysts move toward Senior Collateral Analyst or Portfolio Manager roles.

Business Impact: Accurate collateral reconciliation keeps borrowers from over-drawing against inventory and receivables they do not actually have available.

Growth Opportunity: Analysts who master multiple portfolios and loan systems typically move into leadership roles training junior analysts within a few years.

Company Value: Structured on-the-job training and e-learning support the transition from new hire to independent portfolio owner.

• Reconcile the borrowing base certificate daily against accounts receivable, inventory, and cash reports to confirm lending availability.
• Calculate ineligible collateral and reserves in line with the loan agreement before any advance is released.
• Process advance and payment requests once availability, authorizations, and supporting documentation are all confirmed.
• Monitor portfolio risk by flagging suspicious or inconsistent client reporting patterns to the Portfolio Manager.
• Partner with Relationship Managers and Portfolio Managers to resolve collateral reporting gaps directly with borrowers.
• Train new clients on collateral reporting requirements, documentation standards, and submission deadlines.
• Audit accounts receivable aging and inventory listings to catch irregularities before they reach the loan file.
• Coordinate with field examiners and internal auditors to fold their findings into the next borrowing base cycle.

• Bachelor's degree in accounting, finance, or business administration, or equivalent work experience in lending operations.
• 2 or more years of asset-based lending or commercial loan monitoring experience, with exposure to borrowing base certificates.
• Working knowledge of how accounts receivable and inventory directly function as collateral securing a revolving credit facility.
• Ability to calculate ineligible collateral and reconcile loan balances against internal system records on a daily basis.
• Strong attention to detail when reviewing borrower-submitted financial statements and collateral reports for irregularities.
• Ability to manage multiple client portfolios at once and adjust to shifting reporting deadlines.
• Strong written and verbal communication skills for regular contact with borrowers and internal stakeholders.
• Proficiency with spreadsheet-based financial analysis to support portfolio and collateral reconciliation.

• Prior experience with a dedicated collateral or loan monitoring system, beyond general spreadsheet-based tracking methods and manual logs.
• Exposure to factoring, receivables financing, or another asset-based lending specialty beyond day-to-day core commercial lending.
• Experience training or mentoring newer analysts on collateral procedures and borrowing base fundamentals.
• Background in commercial credit or commercial lending, rather than only retail or consumer banking.

• Borrowing base accuracy rate, reflecting how few reconciliation errors reach the final certificate before submission.
• Advance request turnaround time in hours, showing how quickly availability is confirmed.
• Ineligible collateral identification rate, measuring how completely non-qualifying assets are caught before funding.
• Number of audit or field exam findings requiring correction after review.
• Client onboarding time for new collateral reporting relationships, in days.

• Base Salary Range: $55,000 to $75,000 per year, varying with portfolio complexity and location
• Bonus: Up to 10 percent of base salary, tied to individual and team performance
• Equity: Not typically offered for this individual contributor level
• Health Benefits: Medical, dental, and vision coverage, typically with partial employer premium contribution
• PTO: 15 to 20 days of paid time off, increasing with tenure
• Common Perks: 401k match, tuition assistance, and hybrid or remote work options

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background checks and a review of credit history are standard for this role, given its access to sensitive borrower and collateral information. All qualified applicants receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, or any other characteristic protected under federal, state, or local law. Reasonable accommodation is available for applicants and employees with disabilities upon request. Employment is contingent on a background review, and candidates must be authorized to work in the United States.

The Collateral Analyst delivers on-site appraisals and valuations of agricultural real estate and loan collateral, giving Financial Officers the comparable sales data behind every lending decision. Reporting to the association's collateral team, the analyst coordinates appraisal requests with lending, underwriting, and operations partners across a regional territory.

Key Responsibilities

• Conduct on-site appraisals and valuations of loan collateral and acquired agricultural properties, including chattel appraisals and environmental site inspections.
• Develop and maintain comparable sales information by researching public records and verifying financing terms.
• Analyze and communicate comparable sales trends, adjustment factors, and capitalization rates to internal and external partners.
• Coordinate appraisal requests through the immediate supervisor to prioritize valuation assignments.
• Evaluate the impact of environmental risks and government programs on property valuations.
• Provide training and consultation to lending staff on collateral valuation issues.

Required Qualifications

• High school diploma with a state residential or general appraisal license.
• Bachelor's degree in agriculture, business, or a related field.
• 2 or more years of appraisal experience.
• Ability to communicate complex valuation information to a non-technical audience.
• Ability to travel via auto or commercial transportation to complete on-site inspections.
• Working knowledge of agricultural, rural, or agribusiness lending.

Embedded within the Commercial Services team, the Collateral Analyst leads the appraisal ordering process from initial engagement through final receipt of the report for one- to four-family and commercial real estate loans. Working closely with Commercial Lenders and Underwriters, the analyst reviews current collateral information to support periodic credit risk assessments and keeps credit files audit-ready.

Core Functions

• Manage the appraisal ordering process from initial request through final receipt of the report.
• Correspond with appraisers regarding current appraisal requests and completed reviews.
• Complete appraisal reviews for one- to four-family and commercial real estate loans.
• Assist Commercial Lenders and Underwriters in analyzing current collateral information for periodic credit reviews.
• Maintain credit files in accordance with guidelines, ensuring all required documentation is on file.
• Research and respond to internal and external requests for collateral information on commercial loans.

Qualifications & Experience

• Bachelor's degree in finance, accounting, business administration, or economics.
• Experience working in a financial organization, particularly in a commercial credit environment.
• Ability to coordinate and prioritize multiple assignments and organize work efficiently.
• Knowledge of procedures, forms, and regulations related to commercial lending.
• Proficiency in a variety of personal computer software programs, including the Microsoft Office suite.

Reporting to the collateral team, the Collateral Analyst builds full competency in the client's loan management system to help manage credit related to funded assets. Partnering with Relationship Managers, the analyst trains customers on reporting requirements and reviews submitted information for accuracy before it is included in the borrowing base.

Primary Duties

• Develop full competency in the client's collateral and loan management system to help manage credit related to funded assets.
• Train customers to use the online reporting interface and any other required reporting.
• Review information submitted by clients and report on trends in funded assets.
• Prepare monthly reports and participate in portfolio review meetings.
• Prepare monthly statistics, including dilution, turnover days, payables summaries, concentrations, and reconciliations.
• Support ongoing financial analysis and credit modification or refinancing requests.

Skills & Qualifications

• A 2:1 or equivalent result in a relevant academic discipline with strong mathematical knowledge.
• Full right to work in the country, as sponsorship is not offered for this position.
• Strong interpersonal skills.
• Ability to communicate effectively with clients and colleagues.
• Excellent English written and verbal communication skills.
• Ability to organize and manage own time and workload efficiently.

Sitting at the intersection of quantitative analytics and credit risk management, the Collateral Analyst shapes how collateral practices align with the bank's risk appetite and member collateral margin policies. Operating across research, modeling, and reporting, the analyst benchmarks collateral practices against industry standards and supports credit risk committees, internal audit, model validation, and regulatory examination processes.

Duties

• Support the analysis, measurement, and reporting of credit risk within the bank's portfolio of pledged collateral.
• Collaborate on models, tools, and infrastructure that support decisions on member collateral margins.
• Conduct independent research to benchmark collateral practices against industry standards.
• Identify and address emerging issues affecting pledged collateral driven by market conditions.
• Participate in risk assessments, stress scenario analysis, and other credit-related projects.
• Support reporting to credit risk committees and the board.

Requirements

• Bachelor's degree in business administration, accounting, finance, mathematics, or a related discipline.
• 3 or more years of experience in financial markets with an emphasis on quantitative credit risk analysis.
• Experience with modeling and valuation of fixed-income securities and whole-loan mortgages.
• Strong working knowledge of secondary mortgage markets, including loan-level data management and analysis.
• General understanding of depository institution financial statements, particularly bank balance sheets.

A key member of the collateral operations team, the Collateral Analyst owns daily collateral calls, margin dispute resolution, and reconciliations for pension funds, hedge funds, and other derivative-using clients. Collaborating across trading, technology, and senior colleagues, the analyst onboards new business and helps modernize transaction processing systems.

Functions

• Monitor collateral calls from counterparties and facilitate margin dispute resolution between parties.
• Verify delivery of collateral to clients and brokers for a range of derivative products.
• Complete cleared and bilateral reconciliations for derivative products traded by clients.
• Serve as the intermediary for complex problem resolution and post-execution support with counterparties.
• Support technology projects and process improvements related to the collateral infrastructure.
• Facilitate the onboarding of new clients and new business.

Experience & Qualifications

• Bachelor's degree or an equivalent combination of education and experience.
• 1 to 3 years of total work experience.
• Experience in reconciliations, trade processing, settlements, or cash processing.
• Ability to effectively prioritize and execute tasks in a high-pressure environment.
• Willingness to build product knowledge in derivatives and collateral, even without prior exposure.

Reducing counterparty and systemic risk in OTC derivative trading depends on the Collateral Analyst, who owns the accurate settlement of securities transactions tied to bilateral collateral movements. Based within the Collateral Settlements Team, the analyst works with market custodians and internal sales and client service teams to keep every transfer eligible under its governing legal document.

Accountabilities

• Process outgoing and incoming securities settlements accurately and provide transparency to stakeholders.
• Ensure all agreed transfers are eligible under the appropriate legal documentation.
• Respond to stakeholder inquiries and coordinate with core processing teams to resolve issues.
• Identify and resolve breaks related to collateral settlement and inventory management.
• Maintain strong relationships with internal partners and external parties in a fast-moving settlement environment.

Technical Qualifications

• Strong written and verbal communication skills for client service and stakeholder interaction.
• Ability to build and maintain relationships with internal partners and external counterparties.
• Excellent time management skills, with the ability to organize and prioritize work under deadlines.
• Self-motivated with a strong appetite to learn and develop new skills in derivatives settlement.
• Ability to work under pressure in a fast-moving, deadline-driven environment.

As the Collateral Analyst, this role is the central point of contact for participants satisfying their collateral requirements, from launch through day-to-day execution of monitored processes. The banking and settlements team relies on this work to keep cash reconciliations, payment exchanges, and issuer credit ratings accurate across accounts open on both Canadian and US banking days.

Activities

• Serve as the central point of contact for clients on collateral, banking, and settlements matters.
• Ensure full cash reconciliation across all bank accounts and complete end-of-day payment exchange.
• Ensure complete and accurate issuer credit ratings are maintained.
• Build and document procedures for successful launch and day-to-day execution of monitored processes.
• Maintain relationships with regulators, internal and external audit, risk management, finance, and technology partners.

Position Requirements

• Post-secondary education in business administration or accounting.
• 2 to 4 years of experience in the securities financial industry.
• Advanced technical and analytical skills, with the ability to propose operational solutions.
• Solid knowledge of operations or securities accounting in the securities financial industry and global capital markets.
• Proficiency with common office and collaboration software suites.

Collateral Analyst owns the evaluation of loan and securities collateral pledges and releases, including municipal security pricing and eNote onboarding through the eVault and MERS eRegistry. Success in the position means catching member collateral deficiencies early, reconciling subordinated collateral with other creditors, and giving the Collateral Manager reports that hold up under regulatory scrutiny.

Operational Focus

• Evaluate pledges and releases of loan and securities collateral, including municipal security pricing.
• Monitor, identify, and report member collateral deficiencies and work with members to correct them.
• Onboard members for eNotes and maintain information in the eVault and MERS eRegistry.
• Reconcile collateral subject to subordination with other creditors as necessary.
• Review collateral data to create reports for the Collateral Manager and senior management.

Knowledge, Skills & Abilities

• Bachelor's degree in accounting, finance, business, or mathematics, or equivalent experience in financial services.
• 3 or more years of experience with mortgage lending documentation, spanning residential, commercial, or agricultural loans.
• Experience working with securities and mortgage collateral.
• Strong PC skills, including proficiency with common spreadsheet, database, and query tools.
• Strong written and verbal communication skills.

The Collateral Analyst oversees daily monitoring of client portfolios, issuing and receiving collateral calls that keep client exposure within agreed regulatory limits. Reporting to the collateral operations team, the analyst liaises with credit, sales, trading, and middle office to resolve queries and onboard new clients.

Key Deliverables

• Monitor client portfolios daily, issuing and receiving collateral calls to manage exposure.
• Resolve and escalate client and regulatory queries related to collateral positions.
• Onboard new clients and support new business collateral setup.
• Liaise with credit, sales, trading, middle office, and corporate treasury to resolve collateral issues.
• Perform monthly interest and coupon settlement across client accounts.
• Perform control functions that ensure the integrity of collateral processes.

Professional Experience

• Bachelor's degree with experience in financial services.
• Knowledge of OTC derivatives and trade flows.
• Analytical skills, problem-solving ability, and meticulous attention to detail.
• Aptitude for building relationships and communicating complex issues to clients with varying product experience.
• Ability to generate solutions to problems and challenge existing processes where needed.

Embedded within the collateral management function, the Collateral Analyst develops the daily margin process across OTC bilateral, OTC cleared, repo, and exchange-traded derivative exposures to limit the firm's counterparty risk. Working closely with Investment Operations, custodians, and brokers, the analyst manages settlement fails, agrees interest payments, and reviews trade and collateral breaks flagged in reconciliation tools.

Areas of Ownership

• Manage the daily collateral margin process across OTC bilateral, OTC cleared, repo, and exchange-traded derivatives.
• Agree margin calls with counterparts, formally agreeing or disputing within escalation timescales.
• Book cash and stock collateral movements in time to meet market settlement deadlines.
• Manage settlement fails for cash and stock collateral movements through counterpart communication.
• Review trade and collateral breaks and work to resolve them with Investment Operations and custodians.

Background & Experience

• Knowledge of OTC derivatives and repo products.
• Understanding of legal, credit, and operational risks associated with collateral.
• Familiarity with ISDA CSA and margin provisions under New York and English law.
• Ability to work to strict deadlines in a fast-moving settlement environment.
• Good written and verbal communication skills, with a proactive approach to improving processes.

Reporting to Independent Credit Management, the Collateral Analyst refines the identification, classification, and prioritization of collateral-related risks, including wrong-way risk on lending exposures. Partnering with the businesses and Independent Risk, the analyst integrates collateral risk into obligor credit considerations and owns the first-line risk agenda in relevant governance bodies.

Role Responsibilities

• Identify, classify, and prioritize collateral-related risks, including wrong-way risk on lending exposures.
• Review and refine collateral management processes and the tools and data supporting them.
• Integrate risks deriving from collateral into obligor credit considerations, in partnership with credit colleagues.
• Act as the focal point for key collateral queries and escalations from the business and Independent Risk.
• Own the first-line risk agenda in all relevant governance bodies.

Required Qualifications

• Bachelor's degree or equivalent experience.
• 1 or more years of relevant experience in financial services or strategy consulting, including credit extension in corporate lending.
• Highly analytical and creative mindset, with strong presentation skills.
• Track record of building internal relationships and cross-functional processes.
• Knowledge of individual collateral types, particularly real estate and other non-financial collateral.

Sitting at the intersection of data quality and structured securities analysis, the Collateral Analyst develops standardized Australian collateral data used in mortgage-backed and asset-backed securities cash flow modeling. Operating across proprietary data tools and query systems, the analyst validates records for accuracy and communicates with trustees, clients, and traders when discrepancies surface across the reporting cycle.

Job Functions

• Collect and standardize raw collateral data from a variety of sources to ensure data quality.
• Maintain data using proprietary software tools across Windows and Linux environments.
• Assist senior analysts in mortgage-backed and asset-backed securities cash flow modeling and analysis.
• Run queries to pull information from databases and individual data files.
• Perform data checks and validation, escalating issues that affect accuracy.
• Correct errors and help implement process changes that improve data collection.

Qualifications & Experience

• Undergraduate degree with a concentration in management information systems, engineering, finance, accounting, or data analytics.
• Prior experience working with spreadsheets and various file formats.
• Prior experience working with Linux or Unix workstations is a plus.
• Proficiency with mathematical concepts and a high degree of accuracy in detailed work.
• Strong communication skills for working with trustees, clients, and traders.

A key member of the collateral management team, the Collateral Analyst advances the clearing of collateral exceptions required for the release of seller holdbacks and agency final certifications. Collaborating across sellers and document custodians, the analyst produces weekly and monthly management reports and maintains the department's policies and procedures.

What You'll Do

• Govern the relationship with sellers and document custodians to clear collateral exceptions.
• Prepare weekly and monthly management reports for departmental oversight.
• Produce and maintain all departmental policies and procedures.
• Ensure compliance with agency guidelines relating to final documents.
• Lead process improvement initiatives that strengthen internal controls and operational efficiency.

Skills & Qualifications

• Bachelor's degree and required experience with a document tracking and certification system.
• 3 to 5 years of loan servicing experience.
• Advanced knowledge of the mortgage servicing industry, specifically HUD, VA, and Ginnie Mae final document guidelines.
• Demonstrated proficiency with common office software, including the ability to produce professional presentations and reports.
• Excellent written and verbal communication skills.

Reliable daily cash projections and clean collateral settlement depend on the Collateral Analyst, who develops timely allocation and payment of collateral movements while reconciling any exceptions. Serving as the link between Treasury and Front Office, the analyst pre-matches collateral for future settlement and resolves outstanding internal and external collateral breaks.

Day-to-Day Responsibilities

• Ensure timely allocation, payment, and settlement of collateral movements, reconciling exceptions as needed.
• Liaise with counterparties, banks, Treasury, and Front Office to resolve issues and settle collateral.
• Work with Front Office to optimize collateral usage and resolve booking issues.
• Project the day's cash usage in coordination with Treasury.
• Pre-match collateral for future settlement and perform pre-pays.
• Investigate and resolve outstanding internal and external collateral breaks.

Requirements

• University degree in finance, economics, or a recognized professional equivalent qualification.
• 3 to 5 years of experience in collateral management operations or a similar function.
• Experience with reconciliations, trade input, and accounting reporting.
• Knowledge of investment types and financial markets.
• Knowledge of tri-party agents and processes.

As the Collateral Analyst, this role advances the accuracy of borrowing base certificates by updating collateral values daily, weekly, or monthly as client reporting requires. The retail lending team relies on this work to catch ineligible collateral early, before advance requests reach Account Executives and Portfolio Managers.

Scope of Work

• Update collateral values daily, weekly, or monthly as borrowing base certificates require.
• Prepare, review, and post daily advance requests, confirming sufficient availability before release.
• Perform monthly reconciliations between the bank's records and client-submitted records.
• Review detailed aging reports for unusual items and calculate ineligible collateral.
• Prepare top-ten debtor lists and a month-end package for Account Executives and Portfolio Managers.
• Prepare portfolio review forms to support ongoing credit monitoring.

Experience & Qualifications

• Bachelor's degree, with business or accounting coursework preferred.
• 1 to 2 years of experience with collateral monitoring and analysis at a lending institution.
• Working knowledge of a collateral monitoring system used for borrowing base tracking.
• Strong organization and communication skills.
• Ability to manage multiple priorities simultaneously under set deadlines.

Collateral Analyst oversees the daily review of borrower financial data and loan documentation within the Asset-Based Lending function, verifying accuracy and flagging potentially fraudulent account activity. The work directly supports accounts receivable and inventory collateral transactions, coordinating with other banking departments to resolve incomplete or unusual terms before advances and payments are processed.

Work Activities

• Review customer financial data to determine the legitimacy and accuracy of reported account information.
• Obtain additional information from customers and other banking departments to resolve incomplete or unusual terms.
• Establish and maintain customer accounts within the Asset Based Lending software system.
• Compare financial statement elements against monthly and quarterly borrower data.
• Process accounts receivable and inventory collateral transactions, including loan payments and advances.
• Reconcile demand deposit accounts to collections reported by the borrower.

Technical Qualifications

• Advanced knowledge of Asset Based Lending, collateral processing procedures, and bank operations.
• Broad application of asset-based lending procedures, practices, and systems.
• Excellent written and interpersonal communication skills.
• Ability to examine and reconcile data to resolve complex issues.
• Advanced level mathematical skills, including multi-step spreadsheet calculations.

The Collateral Analyst coordinates the independent review of borrowing base certificates and supporting collateral documentation within an asset-based lending portfolio, monitoring compliance with reporting requirements and eligibility parameters set by credit approval. Reporting to the portfolio management team, the analyst works closely with Account Executives to reconcile client collateral against loan records and resolve past-due or default issues.

Performance Expectations

• Coordinate ad hoc monthly reporting schedules and keep client files current for account management review.
• Review and set up advance requests within approved commitment, advance rates, and collateral limits.
• Reconcile client collateral and loan balances upon each borrowing base submission.
• Post collateral adjustments immediately upon receipt and flag unusual items to Account Executives.
• Identify emerging risk factors, including deteriorating credit conditions and collateral diminution.
• Review interim and month-end collateral reporting packages, including reconciliations to client general ledgers.

Position Requirements

• Associate degree in accounting, finance, or business, or equivalent work experience.
• 5 or more years of experience in a similar collateral- or asset-based lending role.
• Knowledge of accounts receivable and inventory as collateral and as a secondary source of payment.
• Knowledge of cash management, banking products, and loan systems.
• General understanding of accounting principles.
• Strong analytical ability, including identifying irregularities in problem accounts.

Embedded within the Commodity and Structured Trade Finance business line, the Collateral Analyst manages a portfolio of committed and uncommitted credit facilities, coordinating the booking of loans, letters of credit, and receivable purchases against approved limits. Working closely with relationship managers, portfolio managers, and trade service operations, the analyst analyzes borrowing bases and monitors commodity collateral to alert the bank to any deterioration in a borrower's risk profile.

Core Responsibilities

• Monitor transactional and related collateral to confirm client positions remain within approved limits.
• Review borrowing, letter of credit, and receivable purchase requests, coordinating execution with back and middle office.
• Analyze borrowing base data submitted by clients, verifying advance rate calculations and receivable eligibility.
• Review position and mark-to-market reports, discussing any deviations with the relationship manager.
• Validate borrower requests under agency deals and facilitate letter of credit reconciliation with the issuing bank.
• Assess the bank's exposure and alert relevant parties to adverse developments in the risk profile.

Knowledge, Skills & Abilities

• Undergraduate degree in finance or a related business field, or equivalent work experience.
• 1 or more years of experience within a financial institution.
• Solid understanding of corporate finance and trade finance products.
• Working knowledge of letters of credit, receivable purchase, and bill of exchange discounting.
• Strong, proactive problem-solving and communication skills.
• Intermediate computer skills in common office and spreadsheet applications.

Reporting to the ABL Portfolio Management team, the Collateral Analyst serves as the primary contact for loan operations, monitoring client collateral, sales, receivables, and borrowing base certificates for accuracy against credit policy. Partnering with senior analysts to train new clients on reporting procedures, the analyst resolves reporting gaps before they escalate to senior management.

Key Responsibilities

• Process, examine, and reconcile client collateral and loan information, including receivables, inventory, and reserves.
• Create and input new loans in the system, reconciling setup against the credit approval memo.
• Process and decide loan advance requests in accordance with credit policy and authority.
• Reconcile collateral, loan balance, and availability on a daily basis.
• Set up and follow up on collateral and financial reporting requirements within the loan system.
• Train new clients on reporting procedures and escalate unresolved issues to senior management.

Professional Experience

• Bachelor's degree or equivalent experience, with a high school diploma or equivalent required.
• 3 or more years of work experience in a collateral monitoring capacity in asset-based lending.
• Ability to demonstrate effective interpersonal and written communication skills with internal and external customers.
• Ability to demonstrate critical thinking and problem-solving skills, developing alternate solutions as needed.
• Skill in using common office software and dedicated asset-based lending monitoring systems.

Sitting at the intersection of borrowing base analysis and risk escalation, the Collateral Analyst reviews accounts receivable and inventory data to confirm collateral availability before any advance or payment is released. Operating across the Special Assets Group and other complex loan portfolios, the analyst backs up peers, trains junior analysts, and keeps borrowing base collateral information current in the bank's systems.

Core Functions

• Review and analyze borrowing base documentation for accuracy, reconciling differences into appropriate systems.
• Update systems with borrowing base collateral information and process advances and payments.
• Monitor daily borrowing availability and ensure required authorizations are obtained before funding.
• Perform collateral monitoring for the Special Assets Group and other complex loan relationships.
• Provide on-the-job training and assistance to junior collateral analysts.
• Back up peers while maintaining an organized, up-to-date personal portfolio.

Background & Experience

• 3 to 4 years of prior collateral analysis or loan monitoring experience.
• Proficiency in basic office applications and internal loan monitoring systems.
• Excellent attention to detail with clear, effective, and organized communication.
• Ability to work in a fast-paced environment without hesitating to ask questions.
• Ability to exercise prudent judgment in decisions affecting customers and the bank.

A key member of the portfolio team, the Collateral Analyst assesses and controls collateral and loan activity, reconciling borrowing base certificates against the loan system and loan agreement terms. Collaborating with relationship managers and junior analysts, the analyst recommends reporting strategies and guides less experienced colleagues on the team.

Primary Duties

• Analyze and reconcile the borrowing base certificate and supporting documentation against the loan system.
• Validate key loan and collateral terms against the loan agreement, field examination, and credit approval documentation.
• Recommend and implement strategies to address collateral reporting issues after research and investigation.
• Process advance requests in accordance with wire approval policies once availability is confirmed.
• Reconcile general ledger accounts daily to support accurate financial reporting to the board.
• Assist with trend card compilation and financial statement spreads for senior management review.

Education & Experience

• College degree, preferably in accounting, business, or finance.
• 5 or more years of experience in an asset-based lending operation.
• Intermediate-level skills in common spreadsheet and word processing software.
• Leadership skills to assist in training less experienced analysts.
• Strong organizational, interpersonal, and customer relations skills under frequent interruptions.

Accurate borrowing base reporting depends on the Collateral Analyst, who reviews and reconciles collateral, loan balances, and excess availability between the loan system and the borrowing base certificate. Serving as a resource for the commercial services team, the analyst calculates ineligible collateral, settles interest and fee invoices with syndicate members, and follows up on past-due reporting delinquencies.

Duties

• Review and reconcile collections from borrowers, ensuring accurate application on the loan and collateral monitoring system.
• Analyze accounts receivable and inventory reports to calculate ineligible collateral.
• Review and incorporate audit findings relevant to the assigned portfolio.
• Process interest and fee invoices, performing settlement with syndicate members.
• Assist in monitoring portfolio risk exposure by escalating suspicious or inconsistent activity.
• Develop working relationships with lenders and borrowers, following internal control procedures.

Required Qualifications

• BA or BS in business, finance, accounting, or equivalent experience.
• 1 to 3 years of experience in a commercial loan environment or equivalent combination of education and experience.
• Advanced knowledge of common office software, including word processing and spreadsheet tools.
• Experience with a collateral monitoring system similar to Stucky NT or ABL.
• Detail-oriented with strong analytical and problem-solving skills.

As the Collateral Analyst, this role analyzes borrowing base certificates, accounts receivable, accounts payable, and inventory reports from varied accounting systems across multiple customers and industries. The portfolio management team relies on this work to calculate ineligible collateral, flag reporting inconsistencies, and keep bank account structures aligned with loan agreement requirements.

Functions

• Evaluate customer accounting reports against loan agreement definitions to calculate ineligible collateral and reserves.
• Identify and address discrepancies across multiple customers' accounting processes and industries.
• Communicate with third-party field examiners and incorporate findings into collateral eligibility decisions.
• Assist portfolio managers by recommending actions based on receivable, payable, and inventory trend analysis.
• Coordinate with treasury partners to ensure bank account structures meet loan agreement and customer needs.
• Service loans by posting advances, payments, and rate rollovers as the customer's main point of contact.

Qualifications & Experience

• 1 or more years of experience as a collateral analyst in an asset-based lending environment.
• Ability to read, understand, and apply requirements of varying loan agreements.
• Excellent written and verbal communication skills.
• Team player mindset with a desire to learn beyond the current role.
• Proficient knowledge of common word processing, spreadsheet, and email software.

Collateral Analyst runs the daily review of borrowing base certificates and supporting client documentation, reconciling collateral, loans, and excess availability against the loan and collateral monitoring system. The work directly supports portfolio managers by flagging suspicious or inconsistent reporting activity before it affects the bank's risk exposure.

Accountabilities

• Update collateral-related information in the collateral monitoring system and resolve outstanding reconciliation items.
• Analyze accounts receivable and inventory reports on a recurring basis to calculate ineligible collateral.
• Review collections received for operating and cash collection accounts, confirming accurate system application.
• Monitor daily borrowing availability and process customer advance requests within approved authorizations.
• Process interest and fee invoices, settling with syndicate members and resolving reporting delinquencies.
• Attend monthly portfolio meetings to address collateral and reporting questions with the team.

Skills & Qualifications

• High school diploma or GED required, advanced degrees preferred.
• 1 to 3 years of analysis experience in a financial institution or regulatory agency.
• Asset-based lending experience preferred.
• Comprehensive understanding of asset-based lending, including collateral monitoring, risk mitigation, and treasury.
• Strong skills in spreadsheet-based database and report preparation work.
• Thorough knowledge of common office software and collateral monitoring systems.

The Collateral Analyst crafts decisions on residential real estate collateral as part of the company's due diligence, reviewing appraisals and valuation products for compliance with professional appraisal standards and secondary market guidelines. Reporting to senior management, the analyst also reviews existing condominium projects against agency guidelines and gathers information needed to submit new construction projects for approval.

Activities

• Conduct reviews of appraisals and valuation products by approving or declining reports across property types.
• Communicate with operations and underwriting to obtain clarification and supporting data.
• Analyze the reasonableness of appraisals to confirm reported value supports financing purposes.
• Review existing condominium projects according to agency guidelines and issue warranties for approved projects.
• Assist in gathering information needed to submit new construction projects for agency approval.
• Escalate quality or service issues to senior management as they arise.

Requirements

• Real estate appraisal analysis experience preferred.
• Knowledge of real property terms and ownership types.
• Ability to recognize deficiencies in appraisals and evaluation reports.
• Proficiency with common office and spreadsheet or database software.
• Good oral, written, and analytical or mathematical skills.
• Familiarity with secondary market collateral guidelines.

Embedded within the credit management team, the Collateral Analyst manages multiple client ledgers day-to-day, setting credit limits, assessing invoice eligibility, and making funding decisions within established guidelines while monitoring ledger performance for early warning signs. Working closely with data entry staff, the analyst reviews accounts receivable to confirm debtor information is complete, and payments are allocated correctly across the portfolio.

Operational Focus

• Manage multiple client priorities in an organized manner to meet set deadlines, reassessing as needs arise.
• Exercise independent judgment and apply risk mitigation principles, elevating issues when required.
• Make credit management decisions based on credit references and payment performance within guidelines.
• Perform general accounts receivable review to confirm debtor information is complete and accurate.
• Minimize manageable losses by proactively monitoring ledger performance and taking timely action.
• Maintain professional client relationships through efficient, ongoing ledger management.

Experience & Qualifications

• High school diploma or general education degree required.
• Ability to work as part of a team and act independently when required.
• Excellent office, computer, and keyboarding skills.
• Strong customer service background and experience.
• Superb written and verbal communication skills.

Reporting to the Discount Window function within Credit Collateral Administration, the Collateral Analyst accepts loan requests and reviews monthly collateral files for accuracy in line with department and system policies. Partnering with financial institutions and the Federal Home Loan Bank, the analyst confirms collateral status and cross-trains across Payment System Risk and Borrower in Custody administration for coverage.

Key Deliverables

• Accept loan requests in accordance with department and system policies and procedures.
• Review and process monthly collateral files accurately and identify exceptions.
• Confirm financial institutions use an approved encryption method to transmit collateral files.
• Confirm collateral status and seek approval from the applicable bank when required.
• Assist with processing vault collateral accurately and participate in system testing.
• Provide accurate information to financial institutions, researching and following up in a timely manner.

Technical Qualifications

• Bachelor's degree in business, finance, accounting, or related work experience.
• 2 or more years of related work experience.
• Ability to analyze complex issues with management guidance and provide resolutions.
• Well-organized and detail-oriented, with the ability to multitask across competing deadlines.
• Proficient with common office applications, including word processing, spreadsheets, and email.

Sitting at the intersection of acquisition due diligence and servicing surveillance, the Collateral Analyst performs due diligence to verify the accuracy and completeness of mortgage loan documents received from sellers and custodians. Operating across collateral custodians, document recordation providers, and investors, the analyst manages the release and delivery of collateral files while resolving exceptions on a timely basis.

Areas of Ownership

• Conduct the collateral review process on originated, purchased, and sold mortgage loans.
• Assist in clearing or curing collateral issues identified during document review.
• Manage the custody, release, and delivery of collateral files to investors, purchasers, or sellers.
• Identify collateral issues and escalate them to management on a timely basis.
• Perform daily and monthly reconciliation of mortgage loan documents.
• Develop and maintain departmental policy and procedures for collateral review.

Position Requirements

• College degree preferred.
• High school diploma or equivalent required.
• Knowledge of mortgage loan documents and related processing systems.
• Strong organizing and time management skills in a fast-paced, changing environment.
• Strong interpersonal and communication skills, both written and oral.
• Ability to handle multiple tasks and manage workload independently.

A key member of the credit operations team, the Collateral Analyst audits an average of 150 invoices daily, verifying and confirming details primarily through phone communication with customers. Collaborating across internal and external contacts, the analyst monitors portfolio quality, assesses risk, and implements corrective action plans when irregularities surface.

Role Responsibilities

• Audit an average of 150 invoices daily, communicating primarily by phone for verification.
• Monitor and maintain portfolio quality by alerting management to discovered irregularities.
• Audit client portfolios, assess risk, and implement corrective action plans.
• Confirm Notice of Assignment with customers as part of the verification process.
• Complete weekly commitments and goals in adherence to deadlines.
• Adopt standard operating procedures when auditing client invoices.

Knowledge, Skills & Abilities

• Ability to quickly learn new software systems.
• Proficiency in common office and document software, including spreadsheet and PDF tools.
• Ability to manage multiple operating systems and shift between them as needed.
• Strong communication skills with close attention to detail.
• Ability to adapt to change while maintaining a strong work ethic.