Credit Analyst/Associate - Private Credit/Asset-Based Lending

Please closely read the job requirements before applying. Thanks!

We're working with a growing non-bank lender looking to hire a Credit Analyst or Associate to join its underwriting team in Midtown Manhattan. The firm provides asset-based financing to middle-market businesses, with a particular focus on high-growth, sponsor-backed consumer brands across food & beverage, health & wellness, beauty, and related sectors. This is a hands-on role involving both new transaction underwriting and ongoing portfolio management, offering significant exposure to financial analysis, credit structuring, due diligence, and collateral monitoring.

Responsibilities:

• Conduct detailed financial statement analysis and build financial models, including projections, cash flow forecasts, and sensitivity analyses.
• Support the underwriting of new credit facilities, including initial screening, due diligence, and preparation of credit approval memoranda.
• Analyze borrower financial performance, collateral, borrowing bases, and credit risk.
• Assist with ongoing portfolio monitoring, credit reviews, renewals, and covenant compliance.
• Prepare industry research, portfolio reviews, and recommendations for credit decisions.

Requirements:

• 2–4 years of experience in asset-based lending, private credit, commercial credit underwriting, leveraged finance, or investment banking. Candidates with 5–6 years of experience will also be considered at the Associate level.
• Excellent Excel and financial modeling skills, including a thorough understanding of the three financial statements and how they interact.
• Strong financial analysis skills, with the ability to evaluate borrower performance, repayment capacity, and credit risk.
• Familiarity with credit underwriting, financial due diligence, and transaction analysis.

Preferred Qualifications:

• Experience with asset-based lending structures, including accounts receivable, inventory, borrowing bases, and collateral analysis.
• Experience at a non-bank lender, private credit fund, commercial finance company, or middle-market commercial bank.
• Exposure to sponsor-backed transactions or high-growth middle-market businesses.
• Experience analyzing consumer products businesses, particularly food & beverage, beauty, health & wellness, or related industries.

If you're interested and meet the above qualifications, email Sean at View email address on click.appcast.io, attaching your resume. Thanks!