Factoring Origination

Position Title Vice President / Director – Factoring & Receivables Finance Origination (Title commensurate with experience TBD) Location Flexible / Hybrid / Remote (U.S.) Overview The Origination Officer will be responsible for sourcing, structuring, and closing factoring and receivables finance solutions for middle-market and commercial clients. This individual will drive new business through direct origination, referral partnerships, and intermediary relationships, working closely with credit, underwriting, legal, and operations teams to deliver tailored working capital solutions. The role requires a proven producer with deep knowledge of factoring structures, credit risk, and customer needs across multiple industries. Key Responsibilities Business Development & Origination Originate new factoring and receivables finance transactions through: Direct client outreach Broker and referral relationships Bank, CPA, and advisory partnerships Build and manage a robust pipeline of new opportunities Target middle-market, lower-middle-market, and select enterprise clients Structure competitive solutions including: Full-service factoring Non-recourse and recourse factoring Spot factoring Supply-chain and trade receivables solutions Transaction Execution Lead transactions from initial screening through close Work closely with credit and underwriting to: Analyze obligor and debtor risk Structure advance rates, reserves, pricing, and covenants Coordinate with legal and operations to ensure efficient onboarding Present transactions to internal approval committees Relationship Management Serve as primary relationship manager for originated clients Maintain strong post-close engagement to drive retention and cross-sell Partner with portfolio management and servicing teams to monitor performance Market & Product Development Stay current on market trends, competitive dynamics, and regulatory developments Provide feedback on product enhancements and new market opportunities Represent the firm at industry events and conferences Qualifications & Experience Required 7–15+ years of experience in: Factoring Receivables finance Asset-based lending (ABL) with a factoring focus Demonstrated track record of successfully originating and closing transactions Strong understanding of: Credit analysis Debtor concentration risk Collateral monitoring Established network of referral sources Excellent negotiation, presentation, and communication skills Preferred Experience across industries such as: Transportation & logistics Staffing Manufacturing Distribution Apparel / consumer goods Prior experience at a bank, specialty finance company, fintech, or independent factor Bachelor's degree required; MBA or finance-related certification a plus Compensation Competitive base salary Performance-based incentive / commission structure Long-term incentive or equity participation (where applicable) Comprehensive benefits package Why This Role High-impact, revenue-generating position Opportunity to build and expand a national factoring platform Entrepreneurial environment with strong operational and credit support Significant upside tied directly to performance