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Director Asset Based Lending information

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$86K

$124.1K

$195.5K

How much do director asset based lending jobs pay per year?

As of Jun 16, 2026, the average yearly pay for director asset based lending in the United States is $124,056.00, according to ZipRecruiter salary data. Most workers in this role earn between $93,000.00 and $169,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Director of Asset Based Lending, and why are they important?

To thrive as a Director of Asset Based Lending, a deep understanding of credit analysis, financial structuring, and risk management is essential, typically supported by a degree in finance or accounting and extensive banking experience. Familiarity with loan origination systems, financial modeling software, and relevant certifications such as CFA or CPA are highly valued. Exceptional leadership, negotiation, and relationship-building skills help drive successful client engagements and team performance. These competencies are crucial for structuring sound lending solutions, managing portfolio risk, and achieving business growth in a competitive financial environment.

What does a Director of Asset Based Lending do?

A Director of Asset Based Lending oversees the structuring, management, and growth of asset-based lending portfolios for a financial institution. They lead teams in evaluating the value of collateral such as inventory, accounts receivable, or equipment to secure loans for businesses. Their responsibilities include developing lending strategies, ensuring compliance with regulations, managing client relationships, and mitigating risk. This role requires strong financial analysis skills and deep industry knowledge to support clients and achieve the organization's lending goals.

What is the difference between Director Asset Based Lending vs Credit Analyst?

AspectDirector Asset Based LendingCredit Analyst
CredentialsBachelor's degree, experience in lending or financeBachelor's degree, finance or related field, often with certifications
Work EnvironmentSenior management, client-facing, strategic decision-makingAnalytical, office-based, supporting lending decisions
Industry UsageFinancial institutions, banks, specialty lendersBanks, credit agencies, financial firms

The main difference is that a Director Asset Based Lending oversees large lending portfolios and makes strategic decisions, while a Credit Analyst focuses on analyzing credit data to assess risk. Both roles require financial knowledge, but the Director has broader responsibilities and leadership duties.

What are some common challenges faced by a Director of Asset Based Lending, and how can these be managed effectively?

A Director of Asset Based Lending often encounters challenges such as assessing the creditworthiness of complex borrowers, managing fluctuating collateral values, and ensuring regulatory compliance. Effectively managing these challenges requires strong analytical skills, up-to-date knowledge of industry regulations, and proactive communication with both clients and internal risk teams. Building solid relationships with clients and staying informed about market trends can also help in making sound lending decisions and maintaining a healthy loan portfolio.
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Director Asset Based Lending jobs near you
Infographic showing various Director Asset Based Lending job openings in the United States as of June 2026, with employment types broken down into 1% Internship, 1% As Needed, 89% Full Time, 7% Part Time, 1% Temporary, and 1% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $124,056 per year, or $59.6 per hour.
Portfolio Manager, Asset Based Lending

Portfolio Manager, Asset Based Lending

Live Oak Bank

Wilmington, NC • On-site

Full-time

Posted 16 days ago

Job description

About Us
Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America's Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.
The Portfolio Manager, Asset Based Lending plays a critical role in supporting disciplined growth while protecting the bank's balance sheet across complex, collateral driven credit relationships. This role acts as a senior liaison between the Asset Based Lending team and the Credit function, ensuring that deal structures, portfolio risks, and emerging issues are clearly understood, well documented, and effectively communicated.
This role provides people leadership within the Asset Based Lending portfolio management function, supporting the performance, development, and engagement of assigned team members. The position is designed for an experienced Asset Based Lending professional who brings deep technical expertise, strong risk instincts, and the credibility to influence credit outcomes through thoughtful analysis and clear presentation. This role elevates credit quality by anticipating risks, framing solutions, and partnering closely with Credit leaders throughout the lifecycle of each relationship.
Portfolio and Risk Management
  • Serve as primary portfolio manager for a complex Asset Based Lending portfolio with elevated structural and collateral complexity.
  • Perform detailed financial, cash flow, and collateral analysis across accounts receivable, inventory, equipment, and related asset classes.
  • Monitor borrowing base reporting, field exam results, covenant compliance, and early warning indicators.
  • Identify emerging risks and performance trends, escalating concerns with clear risk framing and recommended paths forward.
  • Support remediation planning and enhanced monitoring strategies for higher risk or deteriorating relationships.

Deal Structuring and Credit Partnership
  • Partner closely with origination teams to support new transactions, renewals, amendments, and restructures.
  • Prepare and present comprehensive deal structures, risk assessments, and mitigation strategies to Credit partners and approval committees.
  • Act as a key liaison to the Credit function by translating complex deal dynamics into clear, decision ready materials.
  • Collaborate with Credit to address feedback, refine structures, and gain alignment on risk approach, without holding direct approval authority.
  • Ensure all proposed structures comply with credit policy, regulatory expectations, and portfolio risk appetite.

People Leadership and Team Development
  • Provide day to day management, coaching, and feedback for assigned analysts or related team members.
  • Support onboarding, training, and skill development to ensure consistent application of Asset Based Lending risk standards and portfolio practices.
  • Set clear expectations for work quality, timelines, and risk discipline, while promoting accountability and continuous improvement.
  • Contribute to performance discussions, development planning, and talent progression in partnership with leadership.

Cross Functional Collaboration
  • Work closely with Loan Operations, Field Exam, Legal, Treasury, and Credit Administration to ensure effective execution and ongoing monitoring.
  • Represent the Asset Based Lending team in cross functional discussions related to credit risk, documentation, and portfolio performance.
  • Influence outcomes through technical expertise, preparation, and credibility rather than formal authority.

Process Improvement and Expertise Leadership
  • Identify opportunities to strengthen Asset Based Lending portfolio management, underwriting support, and monitoring practices.
  • Contribute to the development and reinforcement of best practices within the Asset Based Lending function.
  • Provide informal mentorship and technical guidance to less experienced team members.
  • Support onboarding and knowledge sharing related to Asset Based Lending credit risk and portfolio oversight.
  • Serve as a subject matter resource for the team by sharing knowledge, lessons learned, and practical guidance in complex situations.

Required Experience
  • Bachelor's degree in Finance, Accounting, Business, or a related field or equivalent progressive experience, recognizing that advanced technical expertise in Asset Based Lending is often developed through years of specialized, hands on credit, underwriting, and portfolio management experience.
  • Eight or more years of progressive experience in Asset Based Lending, Commercial Services, or Specialty Finance.
  • Demonstrated experience managing complex Asset Based Lending portfolios and supporting sophisticated credit structures.
  • Advanced knowledge of borrowing base mechanics, collateral monitoring, covenant structures, and field examination review.
  • Strong written and verbal communication skills with experience presenting complex credit matters to senior stakeholders.
  • Prior experience leading, mentoring, or supervising team members in a credit or portfolio management environment.

Preferred Experience
  • Experience partnering closely with credit officers or approval committees in a non approval holding role.
  • Middle market or sponsor backed lending experience across multiple industries.
  • Prior exposure to regulatory examinations involving specialty finance or leveraged lending portfolios.
  • CPA, CFA, or other relevant professional credentials.
  • Comfort operating in hybrid or remote environments and supporting distributed teams.

Our Values
  • Dedication: Possess a deep commitment to Live Oak Bank's mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
  • Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
  • Respect: Treat everyone with courtesy, politeness, and kindness.
  • Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
  • Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more

For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank.
EEO is the Law
The base pay range for this position is $143,920.00 - $205,600.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate's salary is determined by several factors including travel, relevant work experience or skills and expertise.
Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.

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