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About the Role

Lead the underwriting, structuring, and risk management of credit-related transactions, including asset-based wholesale facilities, forward flows, and private equity/credit transactions. This role involves overseeing credit professionals, evaluating potential transactions, and managing portfolio credit risk. It's ideal for an individual motivated to operate independently, take ownership of deals, supervise a team, and develop managerial skills in the private credit industry.

Responsibilities

Lead credit analysis and due diligence on borrowers for potential transactions, assessing financial statements, cash flows, business models, and capital structures, leveraging a team of credit professionals.
Guide the development of cash flow and financial models to evaluate credit risk and potential returns on new and existing investments, creating flexible models for transaction structuring and risk/return achievement.
Lead the development of key deal terms (e.g., advance rates, eligibility criteria, portfolio concentrations, collateral and financial covenants) to mitigate borrower and transaction risks.
Present detailed credit memos and deliverables summarizing findings and recommendations to senior management, committees, and investors.
Design and execute stress testing frameworks, determine break points, and monitor and communicate results to senior leadership and relevant committees.
Prepare responses to ad-hoc deliverables for internal and external parties, leveraging portfolio knowledge with a systematic approach.
Manage and develop a team of analysts and associates, establishing timelines, communication channels, providing feedback, and assessing performance.
Stay informed about market conditions, industry trends, and legal developments impacting the Company’s portfolio and borrowers.

Requirements

5-8 years of experience in private credit, leveraged finance, securitizations, and/or a related financial services role.
Advanced understanding of financial analysis and credit underwriting, with the ability to assess company financials (balance sheet, income statement, cash flow).
Demonstrated proficiency in financial modeling, including building and maintaining complex models to evaluate investment performance and risk.
Fluent in credit agreements, loan covenants, and other documentation related to credit transactions.
Excellent written and verbal communication skills, with the ability to convey complex financial information clearly and concisely.
Strong attention to detail, project management, and organizational skills, with the ability to manage upwards and downwards to meet deadlines in a fast-paced environment.
Proven ability to lead cross-functional initiatives, collaborating across departments and with external stakeholders including legal counsel, investors, and counterparties.
Advanced proficiency in Microsoft Excel and PowerPoint.
Experience with financial databases or software is a plus.
Proven ability to lead and manage complex credit deals throughout the deal lifecycle.
Excellent analytical, research, and problem-solving skills.
Strong interpersonal skills with the ability to work under pressure and manage competing priorities in a dynamic environment.

Skills

Financial analysis
Credit underwriting
Financial modeling
Credit agreements
Loan covenants
Communication skills
Project management
Organizational skills
Cross-functional leadership
Microsoft Excel
Microsoft PowerPoint
Analytical skills
Research skills
Problem-solving skills
Interpersonal skills

Experience Level

5-8 years of experience

Education Level

Bachelor’s degree in Finance, Economics, Accounting, or a related field.