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About Us: 

We are on a mission to provide innovative working capital solutions to small and medium size businesses throughout the United States, Canada, and the United Kingdom. A steady cash flow can change the course of a business and help a company define its future, promote growth, and impact the bottom line! As a leading provider of innovative funding solutions for small to medium sized businesses, we are one of the fastest growing companies in the industry. Through our Commercial Finance, Freight Factoring and ABL divisions, eCapital offers capital solutions to 80+ industries. We truly love to help our clients grow and this is a position where you can grow too! 

We are seeking a Senior Account Executive in our Atlanta Office to support our Commercial Finance Division. This role will report to our Head of Operations.

Purpose of the role:

• Ensures the security and profitability of eCapital through efficient and effective management of a portfolio of clients.

• Makes daily funding decisions against Borrowing Base Certificates.  Uses judgment and discretion to make those decisions.

• Establishes and maintains a professional and efficient relationship with their allocated portfolio of clients.  Acts as primary point of contact for Clients.

• Ensures that security interest is always maintained within internal management policies.

• Implements and maintains excellent standards of customer service.

  Key Responsibilities and Accountabilities

• Manages collateral performance of the allocated portfolio through efficient and effective client management and compliance with approval conditions and other eCapital policies and procedures.

• Provides proactive and reactive management of the overall relationship with the client in an ever-changing environment.  Responds quickly to any changes.

• Makes daily funding decisions.  Reviews daily transactions for accuracy and takes immediate action on any potential risk issues.

• Performs daily review of client funding position to ensure facilities are operating within formula and performing in line with expectations.  Supports over-advance requests when acceptable risk and within authority levels.

• Manages and monitors large AR concentration exposures and inventory mix.

• Proactively monitors statistical trends and financial performance of clients, taking appropriate action if needed.

• Completes facility and portfolio reviews in a timely manner, based on the required frequency per policy.

• Maintains proper, accurate Client Risk ratings in eCapital systems. The ability to read and interpret financial statements and corresponding financial covenants.

• Monitors collection and verification call levels and coverage.  Makes decisions on appropriate action when needed.

• Understands their clients enough to spot both warning signs and additional earning opportunities.  Formulates an exit strategy if needed to minimize potential losses.

• Retains responsibility for recovering funds advanced in a collect-out situation.

• Receive and ensures all chargeable fees are processed when required.

• Manages, directs, and supports Collateral Analysts and Data Entry.

• Works closely to ensure a smooth transition on all newly assigned accounts.  Ensures all client terms are set up correctly.

• Undertakes client visits if required.

• Assists in field exams if required.

• Performs other related duties and tasks as necessary or as assigned.

  Key Skills and Knowledge

• Manages multiple priorities in an organized manner to meet set deadlines.  Reassesses if higher need arises.  Copes well with demands of the job and manages their time efficiently.

• Possesses excellent communication skills with the ability to motivate, influence and inspire others.  Leads by example.

• Exercises independent judgment and applies prudent risk mitigation principles.  Understands how and when to elevate issues when required. 

• Provides a solution to any arising issues.  Takes accountability for decisions made.

• Maintains a high level of effectiveness during times of change by adapting behaviour and approaches to changing circumstances.  Accepts additional and changing roles, responsibilities, and tasks.

• Listens with acute attention to detail.

• Focuses on Customers.  Knows and cares about our internal and external customers.  Works as a team to deliver excellent service and exceed their expectations.

• Understands the complexities and key factors that impact our business.

• Drives outstanding results & can be counted on to do so.

• Understands key features of eCaptial’s core and specialist products.  Calculates and explains current and future funding availability and all chargeable disbursements.

• Demonstrates loyalty to eCapital, its vision and values and works with consistency, integrity, accountability and shows enthusiasm. 

  Qualifications 

• Bachelor’s degree in a business-related field preferred. 

• Five to 10 years Factoring and/or ABL experience with a financial institution.

• Ability to work as part of a team in an office environment and to act independently if required. 

• Computer literate with excellent keyboarding skills and competency with Microsoft Office; ability to learn new systems quickly. 

• Excellent verbal and written communication skills required, strong customer service.

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