Third Coast Bank · 2 weeks ago
Collateral Analyst
Humble, TX
Full-time
Onsite
Mid Level
3+ years expThird Coast Bank is seeking a highly analytical and detail-oriented Asset-Based Lending Collateral Analyst to support the management of their ABL credit portfolio. The role involves analyzing collateral reporting, evaluating borrowing base certificates, and ensuring compliance with bank policies and regulatory standards.
BankingFinancial Services
Responsibilities
Review, analyze, and reconcile client borrowing base certificates (BBCs) and supporting collateral schedules including accounts receivable, inventory, and other pledged assets
Monitor borrowing availability and ensure compliance with advance formulas, concentration limits, ineligibles, and other loan structure requirements
Validate collateral values against supporting documentation, including agings, invoices, inventory reports, and third-party audits
Identify collateral trends, dilution issues, or discrepancies and escalate potential risks to portfolio management and credit leadership
Track collateral reporting frequency and ensure all client deliverables are received timely and accurately
Assist in preparing collateral trend reports, variance analyses, and portfolio summaries for internal stakeholders
Support field exam coordination, annual reviews, and periodic collateral audits by gathering data, validating findings, and preparing analysis
Partner with relationship managers, credit officers, and operations teams to resolve exceptions or documentation issues quickly
Ensure all collateral monitoring activities comply with bank policies, credit agreements, and regulatory standards
Maintain accurate records of borrowing base submissions, calculations, and approvals within the loan servicing system
Assist with internal and external audits by providing documentation, reconciliations, and detailed collateral analysis
Follow policies and procedures; complete tasks correctly and on time; support the Bank’s goals and values
Performs all other duties as assigned
Qualification
Required
Bachelor's degree in Finance, Accounting, Business, or a related field (or equivalent work experience)
3–5 years of experience in asset-based lending, factoring (PM experience), commercial credit analysis, collateral monitoring, or field examination
Strong knowledge of borrowing base structures, accounts receivable and inventory financing, and collateral risk management
Proficiency in analyzing complex financial and collateral data with exceptional attention to detail and accuracy
Excellent organizational, time management, and problem-solving skills
Strong communication skills with the ability to collaborate effectively across credit, operations, and relationship management teams
Proficiency with Microsoft Excel and commercial lending software platforms
Effective verbal, written and interpersonal communication skills
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations
Excellent organizational and time management skills
Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities
Company
Third Coast Bank
Welcome to Third Coast Bank, where we are charting the course to success for Texas business.
201-500 employees
Funding
Current Stage
Public CompanyTotal Funding
$210MKey Investors
EJF Capital
2025-06-04Post Ipo Debt· $150M
2024-09-16Post Ipo Debt· $60M
2021-11-09IPO
Leadership Team
Bart Caraway
CEO
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