What are the responsibilities and job description for the Asset-Backed Finance Associate - Lender Finance position at EverBank N.A.?
Asset-Backed Finance Associate
The Asset-Backed Finance Associate will play a key role in supporting the origination, structuring, underwriting, and execution of secured lending transactions across a range of asset classes and client types - including financial sponsors, asset managers, and specialty finance companies.
Key Responsibilities and Duties
- Assist in the structuring, execution and ongoing monitoring of a wide variety of secured financing transactions.
- Prepare transaction materials including term sheets, credit memos, and client presentations.
- Coordinate due diligence efforts and internal deal approval processes in line with bank policies and regulatory requirements.
- Conduct details credit and collateral analysis for proposed transactions across asset types.
- Build and maintain financial and cash flow models to assess transaction structure, advance rates, coverage metrics, and risk-return profiles.
- Contribute to internal risk reviews and credit committee discussions.
- Partner with internal teams to ensure seamless execution and risk oversight.
- Support ongoing portfolio monitoring, reporting, and covenant compliance for existing facilities.
- Ensure adherence to the bank's credit and regulatory standards throughout the deal lifecycle.
Minimum Qualifications
- 3-5 years of experience at a financial institution in portfolio management and/or loan underwriting, preferably within Lender Finance, or other Structured Finance sectors
- Demonstrated expertise in structured credit underwriting and execution of new business transactions
- Demonstrated ability to manage transactions on a daily, weekly, monthly basis post close.
- Proven ability to prioritize work effectively, drive execution of junior level deliverables, meet deadlines, and achieve goals in a fast-paced, dynamic environment
- Excellent verbal, written, and interpersonal communication skills, including the ability to clearly explain complex concepts
- Ability and willingness to travel up to 25% of the time
Preferred Qualifications
- Lead post-closing portfolio and client management, including regular borrower communication, monitoring of collateral and financial performance, covenant compliance tracking, and review/processing of borrowing base submissions and advance requests.
- Collaborate with deal teams, credit, and legal to execute amendments and waivers, including coordinating updated diligence, preparing modification memos, and managing changes to legal documentation.
- Identify, track, and analyze key performance indicators (KPIs) across similar transactions in the portfolio to support trend analysis, risk identification, and portfolio reporting.
- Review monthly and quarterly borrower reporting packages, including financial statements, collateral files, loan tapes, and regulatory reporting, ensuring accuracy and completeness.
- Perform ongoing risk assessments by evaluating portfolio performance, concentration risk, collateral quality, and borrower liquidity/capitalization.
- Manage recurring credit processes, such as annual reviews, internal risk rating updates, covenant resets, and facility renewals.
Role Specific Work Experience
- 3 Years Required; 5 Years Preferred
Educational Requirements
- University (Degree) Preferred
Physical Requirements
- Physical Requirements: Sedentary Work
Career Level
7IC
Qualifications:
- Collaborate with deal team members to assist in structuring, underwriting, documenting, closing and management of loans.
- Spread, review, and prepare written analyses of financial statements for borrowers, managers, and guarantors. Develop cash flow and break-even models; evaluate underlying collateral values; review personal and business credit reports; and assess other relevant factors to support timely and accurate credit decisions.
- Review and interpret credit agreements and other legal documents.
- Serve as a primary point of contact for clients and internal partners by providing loan status updates, asking follow-up diligence questions, and requesting required documentation to complete initial and ongoing underwriting.
Posting End Date: 4/20/26