Credit Analyst II - Leveraged Finance
National Black MBA Association, Whitehall, NY, United States
Job Description
This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite.
The clients are primarily owned by private equity firms with leveraged capital structures. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new broadly syndicated or Private Credit leveraged finance transactions.
Responsibilities
Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
Evaluates credit worthiness and provides analysis and decisioning on whether a leveraged issuer should receive a credit facility
Partners with Senior Credit Officers, Leveraged Finance Capital Markets, Investment Banking Coverage and Risk teammates to assess and deliver leveraged credit solutions
Monitors clients' operating performance and financial condition through earnings calls, periodic financial reporting, and ongoing performance reviews
Delivers financial modeling, leveraged loan structure, industry, and downside sensitivity analyses to support loan decision-making
Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
Required Qualifications
1+ years of relevant experience in credit analysis, banking, financial services, or a comparable analytical or risk-focused role
Demonstrated working knowledge of financial and accounting concepts, with the ability to apply them in credit or financial analysis
Strong written and verbal communication skills, with the ability to clearly summarize financial performance, risks, and recommendations
Ability to effectively manage multiple priorities and deadlines in a fast-paced, transaction-oriented environment
Proficiency in Microsoft Excel, including use for financial analysis, modeling, and data review
Strong attention to detail and sound judgment when working within credit policies, procedures, and regulatory guidelines
Demonstrated willingness to embrace, learn, and effectively use emerging analytical and AI‑enabled tools to enhance credit analysis, monitoring, and decision‑making
Desired Qualifications
Bachelor’s degree in finance, accounting, economics, or a related field
Experience supporting credit underwriting, risk rating, or loan approval processes
Exposure to financial modeling, cash flow forecasting, covenant testing, or profitability analysis
Familiarity with commercial lending products, credit policies, or relevant regulatory requirements
Experience with Leveraged Finance and/or broadly syndicated loans
Experience partnering with capital markets, credit officers, or risk teams
Skills
Analytical Thinking
Financial Analysis
Financial Forecasting and Modeling
Profitability Analysis
Research Analysis
Attention to Detail
Business Acumen
Credit and Risk Assessment
Underwriting
Written Communications
Collaboration
Credit Documentation Requirements
Recording/Organizing Information
Collateral Management
Loan Structuring
Shift: 1st shift (United States of America)
Hours Per Week: 40
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This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite.
The clients are primarily owned by private equity firms with leveraged capital structures. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new broadly syndicated or Private Credit leveraged finance transactions.
Responsibilities
Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
Evaluates credit worthiness and provides analysis and decisioning on whether a leveraged issuer should receive a credit facility
Partners with Senior Credit Officers, Leveraged Finance Capital Markets, Investment Banking Coverage and Risk teammates to assess and deliver leveraged credit solutions
Monitors clients' operating performance and financial condition through earnings calls, periodic financial reporting, and ongoing performance reviews
Delivers financial modeling, leveraged loan structure, industry, and downside sensitivity analyses to support loan decision-making
Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
Required Qualifications
1+ years of relevant experience in credit analysis, banking, financial services, or a comparable analytical or risk-focused role
Demonstrated working knowledge of financial and accounting concepts, with the ability to apply them in credit or financial analysis
Strong written and verbal communication skills, with the ability to clearly summarize financial performance, risks, and recommendations
Ability to effectively manage multiple priorities and deadlines in a fast-paced, transaction-oriented environment
Proficiency in Microsoft Excel, including use for financial analysis, modeling, and data review
Strong attention to detail and sound judgment when working within credit policies, procedures, and regulatory guidelines
Demonstrated willingness to embrace, learn, and effectively use emerging analytical and AI‑enabled tools to enhance credit analysis, monitoring, and decision‑making
Desired Qualifications
Bachelor’s degree in finance, accounting, economics, or a related field
Experience supporting credit underwriting, risk rating, or loan approval processes
Exposure to financial modeling, cash flow forecasting, covenant testing, or profitability analysis
Familiarity with commercial lending products, credit policies, or relevant regulatory requirements
Experience with Leveraged Finance and/or broadly syndicated loans
Experience partnering with capital markets, credit officers, or risk teams
Skills
Analytical Thinking
Financial Analysis
Financial Forecasting and Modeling
Profitability Analysis
Research Analysis
Attention to Detail
Business Acumen
Credit and Risk Assessment
Underwriting
Written Communications
Collaboration
Credit Documentation Requirements
Recording/Organizing Information
Collateral Management
Loan Structuring
Shift: 1st shift (United States of America)
Hours Per Week: 40
#J-18808-Ljbffr