Senior Analyst, Lending Capital Markets

Senior Analyst, Lending Capital Markets

Chicago, IL | Hybrid (3 Days Onsite)

$135,000 Base + 10% Quarterly Bonus Opportunity

The Company

Harnham is partnering with a growing consumer lending business to hire a Senior Analyst within its Capital Markets function.

The business operates in a fast-paced, technology-driven lending environment and is continuing to invest in its financing infrastructure, reporting capabilities, and operational efficiency.

This is an opportunity to join a lean, high-impact team with direct exposure to senior leadership and genuine ownership over the funding arrangements supporting a substantial consumer lending portfolio.

The Role

Working closely with the Capital Markets leadership team, you'll be responsible for supporting and managing credit facilities, financial analysis, and funding operations, while identifying opportunities to automate and improve existing processes.

Key responsibilities include:

• Manage and monitor credit facilities, warehouse financing arrangements, and related funding activities.
• Develop and maintain advanced Excel models to support funding analysis, cash flow forecasting, and financial reporting.
• Monitor facility utilization, covenant compliance, borrowing bases, and portfolio financing requirements.
• Prepare financial reports and analysis for internal stakeholders, capital providers, and senior leadership.
• Leverage SQL, Excel, and other analytical tools to streamline reporting, automate workflows, and improve operational efficiency.
• Support the execution and onboarding of new credit facilities and financing arrangements.
• Partner closely with Finance, Credit, Operations, and executive leadership to support capital markets initiatives.
• Take ownership of projects and processes within a collaborative, fast-moving environment.

Your Skills & Experience

• 3–5 years of experience in capital markets, consumer lending, specialty finance, structured finance, private credit, or a related financing function.
• Experience working with credit facilities, warehouse lending, securitization, debt funding, or loan portfolio financing.
• Advanced Excel and financial modeling skills are essential , including the ability to build and maintain complex financial models.
• Experience with SQL, Python, VBA, Power Query, or similar analytical and automation tools is highly desirable.
• Strong understanding of credit agreements, cash flow analysis, financial reporting, and lending structures.
• Demonstrated ability to improve processes, automate reporting, and work with large financial datasets.
• Strong communication skills and confidence working directly with senior stakeholders.
• A proactive, independent approach with the ability to take ownership and deliver results in a lean team environment.

The Benefits

• Competitive compensation: $135,000 base salary plus a 10% quarterly bonus opportunity.
• High-impact position: Take meaningful ownership of capital markets operations within a growing lending business.
• Leadership exposure: Work closely with senior Capital Markets leadership and gain direct visibility with the CFO.
• Technical development: Apply advanced Excel and analytical skills while driving automation and process improvements.
• Career progression: Develop broader expertise across lending capital markets, structured finance, and funding operations.
• Hybrid flexibility: Chicago-based position with three days per week in the office.

How to Apply

If you have a background in lending capital markets, credit facilities, or structured finance, combined with strong financial modeling and analytical capabilities, we'd be interested in speaking with you.

Apply directly or reach out to Harnham for a confidential discussion.