Private Credit Analyst - Portfolio Management
Protective Life, Birmingham, AL, United States
The work we do has an impact on millions of lives, and you can be a part of it. We help protect our customers against life’s uncertainties. Regardless of where you work within the company, you’ll be helping provide protection and peace of mind when our customers need it most.
Private Credit Analyst
The Private Credit Analyst supports the underwriting and ongoing monitoring of privately negotiated credit investments across Protective’s private investment strategies. The role assists senior analysts and portfolio managers in executing a disciplined investment evaluation and portfolio management process, while building core analytical and modeling capabilities.
This position offers exposure to private credit underwriting, portfolio analytics, and investment research within Protective’s investment organization.
Key Responsibilities
Assist in analyzing credit risk through financial, business, and industry research on borrowers, portfolio companies, and managers
Support preparation of written and verbal credit opinions and investment materials
Contribute to relative value analysis across capital structures and transaction terms
Build and maintain Excel‑based financial models, including cash flow, scenario, and sensitivity analysis
Monitor portfolio performance, manager results, and relevant market developments
Apply firm tools and analytics to support downside risk evaluation
Communicate findings to senior team members and investment partners
Develop foundational relationships with internal stakeholders and external counterparties
Core Competencies
Credit & Financial Analysis
Foundational understanding of financial statement analysis, credit metrics, and capital structures
Ability to evaluate company fundamentals, transaction terms, and downside risk
Financial Modeling & Analytics
Proficiency in Excel‑based financial and cash flow modeling
Experience performing scenario and sensitivity analysis
Strong Excel skills, including formulas, lookups, and data organization
Investment Research & Portfolio Support
Ability to conduct financial, business, and industry research on borrowers, portfolio companies, and managers
Support portfolio monitoring, performance analysis, and market trend assessment
Assist in preparing investment materials, credit opinions, and internal reports
Communication & Collaboration
Clear written and verbal communication skills
Comfortable participating in meetings and engaging with internal stakeholders and external counterparties
Ability to synthesize complex financial information and communicate key insights
Professional Effectiveness
Strong analytical thinking, attention to detail, and sound judgment
Ability to manage multiple priorities in a team‑oriented environment
Proactive mindset with willingness to learn, take feedback, and work independently when needed
Tools & Systems (Preferred)
Experience with Bloomberg Terminal or similar financial data platforms
Familiarity with investment analytics tools and reporting processes
Minimum Qualifications
Bachelor’s degree in Finance, Accounting, Economics, or related field
2 years of relevant, cumulative experience (credit analysis, investment banking, asset management, accounting)
Proficiency in Microsoft Excel and financial modeling
Preferred Qualifications
Bloomberg Terminal experience
Prior exposure to private credit or leveraged finance
Demonstrated interest in investment management
Employee Benefits
We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective’s platform to improve wellbeing while earning cash rewards.
Eligibility for certain benefits may vary by position in accordance with the terms of the Company’s benefit plans.
Accommodations for Applicants with a Disability
If you require an accommodation to complete the application and recruitment process due to a disability, please email eric.hess@protective.com. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process. Please note that the above email is solely for individuals with disabilities requesting an accommodation. General employment questions should not be sent through this process.
Equal Opportunity
We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.
AI Hiring Tools
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
Compensation
Protective’s targeted salary range for this position is $52,500-$73,500. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective’s total compensation package for employees.
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Private Credit Analyst
The Private Credit Analyst supports the underwriting and ongoing monitoring of privately negotiated credit investments across Protective’s private investment strategies. The role assists senior analysts and portfolio managers in executing a disciplined investment evaluation and portfolio management process, while building core analytical and modeling capabilities.
This position offers exposure to private credit underwriting, portfolio analytics, and investment research within Protective’s investment organization.
Key Responsibilities
Assist in analyzing credit risk through financial, business, and industry research on borrowers, portfolio companies, and managers
Support preparation of written and verbal credit opinions and investment materials
Contribute to relative value analysis across capital structures and transaction terms
Build and maintain Excel‑based financial models, including cash flow, scenario, and sensitivity analysis
Monitor portfolio performance, manager results, and relevant market developments
Apply firm tools and analytics to support downside risk evaluation
Communicate findings to senior team members and investment partners
Develop foundational relationships with internal stakeholders and external counterparties
Core Competencies
Credit & Financial Analysis
Foundational understanding of financial statement analysis, credit metrics, and capital structures
Ability to evaluate company fundamentals, transaction terms, and downside risk
Financial Modeling & Analytics
Proficiency in Excel‑based financial and cash flow modeling
Experience performing scenario and sensitivity analysis
Strong Excel skills, including formulas, lookups, and data organization
Investment Research & Portfolio Support
Ability to conduct financial, business, and industry research on borrowers, portfolio companies, and managers
Support portfolio monitoring, performance analysis, and market trend assessment
Assist in preparing investment materials, credit opinions, and internal reports
Communication & Collaboration
Clear written and verbal communication skills
Comfortable participating in meetings and engaging with internal stakeholders and external counterparties
Ability to synthesize complex financial information and communicate key insights
Professional Effectiveness
Strong analytical thinking, attention to detail, and sound judgment
Ability to manage multiple priorities in a team‑oriented environment
Proactive mindset with willingness to learn, take feedback, and work independently when needed
Tools & Systems (Preferred)
Experience with Bloomberg Terminal or similar financial data platforms
Familiarity with investment analytics tools and reporting processes
Minimum Qualifications
Bachelor’s degree in Finance, Accounting, Economics, or related field
2 years of relevant, cumulative experience (credit analysis, investment banking, asset management, accounting)
Proficiency in Microsoft Excel and financial modeling
Preferred Qualifications
Bloomberg Terminal experience
Prior exposure to private credit or leveraged finance
Demonstrated interest in investment management
Employee Benefits
We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective’s platform to improve wellbeing while earning cash rewards.
Eligibility for certain benefits may vary by position in accordance with the terms of the Company’s benefit plans.
Accommodations for Applicants with a Disability
If you require an accommodation to complete the application and recruitment process due to a disability, please email eric.hess@protective.com. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process. Please note that the above email is solely for individuals with disabilities requesting an accommodation. General employment questions should not be sent through this process.
Equal Opportunity
We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.
AI Hiring Tools
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
Compensation
Protective’s targeted salary range for this position is $52,500-$73,500. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective’s total compensation package for employees.
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