Asset-Backed Finance Analyst, Lender Finance
- . Items:
1. Conducts detailed financial analysis of asset-backed securities and evaluates performance metrics.
2. Prepares complex financial models to assess risk and return profiles of asset-backed transactions.
3. Collaborates with cross-functional teams to structure asset-backed financing solutions that meet client objectives.
4. Prepares comprehensive reports and presentations for internal stakeholders and clients, summarizing financial findings and market insights.
5. Monitors and analyzes trends in the asset-backed financing market to identify potential opportunities and risks.
6. Ensures compliance with regulatory requirements and internal policies related to asset-backed transactions.
7. Assists in the due diligence process by reviewing documentation and assessing the creditworthiness of underlying assets.
Also later there is "Additional Responsibilities" with many more items. Those should also be included under Responsibilities (maybe combine). The instruction: "Use
- for any list of duties/requirements/benefits". So we can combine all duty-like sentences into one list under Responsibilities.
We need to extract all duty sentences from both sections.
Let's list them:
From Key Responsibilities And Duties:
- Conducts detailed financial analysis of asset-backed securities and evaluates performance metrics.
- Prepares complex financial models to assess risk and return profiles of asset-backed transactions.
- Collaborates with cross-functional teams to structure asset-backed financing solutions that meet client objectives.
- Prepares comprehensive reports and presentations for internal stakeholders and clients, summarizing financial findings and market insights.
- Monitors and analyzes trends in the asset-backed financing market to identify potential opportunities and risks.
- Ensures compliance with regulatory requirements and internal policies related to asset-backed transactions.
- Assists in the due diligence process by reviewing documentation and assessing the creditworthiness of underlying assets.
From Additional Responsibilities:
- Assist in the underwriting, execution and ongoing monitoring of secured financing transactions across a variety of asset classes, including specialty finance companies and other financial institutions.
- Prepare transaction materials including preliminary deal screening memos, approval and closing memos.
- Review and analyze borrower financial statements, collateral files, loan tapes, borrowing-base certificates, and other required reporting for accuracy, completeness, and compliance with transaction terms.
- Build and maintain financial and cash flow models to evaluate transaction structure, advance rates, coverage metrics, and key risk factors.
- Monitor financial and collateral performance, covenant compliance, risk ratings, portfolio concentrations, borrower liquidity and capitalization, and other key credit indicators; identify and escalate emerging risks.
- Review borrowing-base submissions, collateral eligibility, funding and advance requests, and related supporting documentation in accordance with facility terms and internal approval requirements.
- Identify, track, and analyze key performance indicators (KPIs) across similar transactions in the portfolio to support trend analysis, risk identification, and portfolio reporting.
- Support amendments, waivers, and other servicing requests by coordinating updated diligence, preparing modification memoranda, and assisting with changes to legal documentation.
- Assist with recurring credit and reporting processes, including annual reviews, internal risk rating updates, deal monitoring, portfolio reporting, and covenant compliance tracking.
- Support day-to-day client management activities, respond to routine requests, and provide transaction updates.
- Conduct industry, asset class, and market research to support underwriting, portfolio analysis, and risk identification.
- Follow the Bank's credit, compliance, regulatory, and operational standards throughout the transaction lifecycle.
- Contribute to internal risk reviews and credit committee discussions.
We should include all these as list items.
Now Requirements/Qualifications/Skills sections.
We have "Minimum Qualifications" list (numbered). Also "Preferred Qualifications". Also "Role Specific Work Experience" says "No Experience Required". Also "Educational Requirements University (Degree) Preferred". Also "Physical Requirements Physical Requirements: Sedentary Work". Also "Career Level 5IC $106,250 - $137,500". Also "EverBank, N.A. is a nationwide specialty bank..." that's company description maybe not needed. Also "VEVRAA Federal Contractor Member FDIC Notice to Job Seekers Qualifications EverBank, N.A. is committed to the well-being..." that's boilerplate, remove.
We need to decide sections: Requirements, Qualifications, Skills, Benefits, Pay, Schedule.
We have Minimum Qualifications (list). Preferred Qualifications (list). Role Specific Work Experience (No Experience Required) - maybe we can include under Requirements? But it's basically "No Experience Required" which is filler? It says "No Experience Required" - that's specific content but maybe we should include as a line? The instruction: "Prefer a few substantive sections over many thin ones." Also "include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. 'commensurate with experience', 'not specified', 'N/A', 'varies', 'TBD')". "No Experience Required" is specific content, not placeholder like "not specified". It's a statement. Could be included under Requirements or Qualifications.
Educational Requirements: "University (Degree) Preferred". That's specific.
Physical Requirements: "Sedentary Work". That's specific.
Career Level and Pay: "Career Level 5IC $106,250 - $137,500". That's pay info. So we can create a Pay section with that range.
Schedule: Not mentioned. So we should not create Schedule section.
Benefits: There's a paragraph about Total Rewards package and list of benefits: Medical, dental, vision & HSA/FSA, 401(k) savings, Paid holidays & generous PTO, Additional wellness & voluntary benefits, Additional Company-provided Benefit Options (subject To Plan Terms): Tuition reimbursement, Commuter Benefits, Life and Disability Insurance. Also note: "This position is accepting applications from virtual candidates residing in Maryland. Please note that this role will be expected to transition to an in-office position and will be required to report to the Bethesda, MD office once it opens. Candidates should be comfortable with this future transition to an in-office work environment." That's about work location/transition, not benefits but could be under Schedule? Not schedule. Could be under About the role? Might be considered as additional note. But we should not create a section unless we have specific content. Could add a note under About the role? But maybe better to include as a separate section like "Work Arrangement" but not allowed headings list. Only allowed headings are those enumerated. So we must fit into those headings. The location/transition info could be placed under About the role as extra prose. Or we could drop it? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we need to keep that info. We can incorporate it into About the role paragraph.
Also "Posting End Date: 9/25/26" is metadata, we can drop or fold into short p. The instruction: "do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it." So we can include a short p at end maybe. Now we need to decide sections: - About the role: combine initial description plus location/transition note. - Responsibilities: big ul list. - Requirements: maybe combine Minimum Qualifications, Educational Requirements, Physical Requirements, Career Level? Actually Career Level is more about level/pay, could go under Pay. Requirements could be Minimum Qualifications and maybe Role Specific Work Experience (No Experience Required). But we also have Preferred Qualifications separate. - Qualifications: maybe Preferred Qualifications. - Skills: maybe we can extract skills from Minimum Qualifications like "Strong analytical, problem-solving, and financial modeling skills." etc. But we already have those in Minimum Qualifications. Could create Skills section pulling out skill-related statements. However we must not duplicate content? The instruction: preserve all substantive information; we can reorganize but not lose. Could put skills under Skills section, and keep Minimum Qualifications under Requirements (experience, education). But we need to avoid duplication. Let's think. Minimum Qualifications includes: - 1-3 years of experience in credit analysis, underwriting, portfolio management, financial analysis, or a related financial services role. - Understanding of financial statements, cash flow analysis, and credit risk assessment. - Strong analytical, problem-solving, and financial modeling skills. - Ability to manage multiple priorities and meet deadlines in a fast-paced environment. - Strong written, verbal, and interpersonal communication skills. - Detail-oriented with strong organizational skills. - Proficient in Microsoft Office, including Excel, Word, PowerPoint, and Outlook. - Ability to work independently and collaboratively within a team environment. - Willingness to travel up to 15% as business needs require. Preferred Qualifications includes: - Experience in Structured Finance, Specialty Finance, Asset-Based Lending, or other secured lending environments. - Formal credit training or experience applying commercial credit policies and risk-rating methodologies. - Knowledge of loan documentation, borrowing-base lending, collateral monitoring, and covenant compliance. - Experience preparing credit approval memos, annual reviews, risk assessments, or portfolio reporting. - Advanced Excel and financial modeling skills. Role Specific Work Experience: No Experience Required (contradicts earlier? but okay). Educational Requirements: University (Degree) Preferred. Physical Requirements: Sedentary Work. Career Level and Pay: Career Level 5IC $106,250 - $137,500. We could create sections: - Requirements: Minimum Qualifications (experience, understanding) plus Educational Requirements, Physical Requirements, Role Specific Work Experience (No Experience Required). Might be okay. - Qualifications: Preferred Qualifications. - Skills: maybe combine the skill statements from Minimum Qualifications and Preferred Qualifications (like analytical, modeling, communication, etc.) but that would duplicate. Better to put skill statements under Skills section and keep experience/education under Requirements. However the Minimum Qualifications includes both experience and skill statements. We could split them: experience lines go to Requirements, skill lines go to Skills. But we need to preserve all info; splitting is okay as long as we don't lose. Let's extract experience statements: - 1-3 years of experience in credit analysis, underwriting, portfolio management, financial analysis, or a related financial services role. - Understanding of financial statements, cash flow analysis, and credit risk assessment. (This is knowledge, could be under Requirements or Skills? It's understanding, maybe skill.) But we can treat as requirement. Skill statements: - Strong analytical, problem-solving, and financial modeling skills. - Ability to manage multiple priorities and meet deadlines in a fast-paced environment. - Strong written, verbal, and interpersonal communication skills. - Detail-oriented with strong organizational skills. - Proficient in Microsoft Office, including Excel, Word, PowerPoint, and Outlook. - Ability to work independently and collaboratively within a team environment. - Willingness to travel up to 15% as business needs require. Preferred Qualifications skill statements: - Experience in Structured Finance, Specialty Finance, Asset-Based Lending, or other secured lending environments. (experience) - Formal credit training or experience applying commercial credit policies and risk-rating methodologies. (experience/training) - Knowledge of loan documentation, borrowing-base lending, collateral monitoring, and covenant compliance. (knowledge) - Experience
- for any list of duties/requirements/benefits". So we can combine all duty-like sentences into one list under Responsibilities.
We need to extract all duty sentences from both sections.
Let's list them:
From Key Responsibilities And Duties:
- Conducts detailed financial analysis of asset-backed securities and evaluates performance metrics.
- Prepares complex financial models to assess risk and return profiles of asset-backed transactions.
- Collaborates with cross-functional teams to structure asset-backed financing solutions that meet client objectives.
- Prepares comprehensive reports and presentations for internal stakeholders and clients, summarizing financial findings and market insights.
- Monitors and analyzes trends in the asset-backed financing market to identify potential opportunities and risks.
- Ensures compliance with regulatory requirements and internal policies related to asset-backed transactions.
- Assists in the due diligence process by reviewing documentation and assessing the creditworthiness of underlying assets.
From Additional Responsibilities:
- Assist in the underwriting, execution and ongoing monitoring of secured financing transactions across a variety of asset classes, including specialty finance companies and other financial institutions.
- Prepare transaction materials including preliminary deal screening memos, approval and closing memos.
- Review and analyze borrower financial statements, collateral files, loan tapes, borrowing-base certificates, and other required reporting for accuracy, completeness, and compliance with transaction terms.
- Build and maintain financial and cash flow models to evaluate transaction structure, advance rates, coverage metrics, and key risk factors.
- Monitor financial and collateral performance, covenant compliance, risk ratings, portfolio concentrations, borrower liquidity and capitalization, and other key credit indicators; identify and escalate emerging risks.
- Review borrowing-base submissions, collateral eligibility, funding and advance requests, and related supporting documentation in accordance with facility terms and internal approval requirements.
- Identify, track, and analyze key performance indicators (KPIs) across similar transactions in the portfolio to support trend analysis, risk identification, and portfolio reporting.
- Support amendments, waivers, and other servicing requests by coordinating updated diligence, preparing modification memoranda, and assisting with changes to legal documentation.
- Assist with recurring credit and reporting processes, including annual reviews, internal risk rating updates, deal monitoring, portfolio reporting, and covenant compliance tracking.
- Support day-to-day client management activities, respond to routine requests, and provide transaction updates.
- Conduct industry, asset class, and market research to support underwriting, portfolio analysis, and risk identification.
- Follow the Bank's credit, compliance, regulatory, and operational standards throughout the transaction lifecycle.
- Contribute to internal risk reviews and credit committee discussions.
We should include all these as list items.
Now Requirements/Qualifications/Skills sections.
We have "Minimum Qualifications" list (numbered). Also "Preferred Qualifications". Also "Role Specific Work Experience" says "No Experience Required". Also "Educational Requirements University (Degree) Preferred". Also "Physical Requirements Physical Requirements: Sedentary Work". Also "Career Level 5IC $106,250 - $137,500". Also "EverBank, N.A. is a nationwide specialty bank..." that's company description maybe not needed. Also "VEVRAA Federal Contractor Member FDIC Notice to Job Seekers Qualifications EverBank, N.A. is committed to the well-being..." that's boilerplate, remove.
We need to decide sections: Requirements, Qualifications, Skills, Benefits, Pay, Schedule.
We have Minimum Qualifications (list). Preferred Qualifications (list). Role Specific Work Experience (No Experience Required) - maybe we can include under Requirements? But it's basically "No Experience Required" which is filler? It says "No Experience Required" - that's specific content but maybe we should include as a line? The instruction: "Prefer a few substantive sections over many thin ones." Also "include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. 'commensurate with experience', 'not specified', 'N/A', 'varies', 'TBD')". "No Experience Required" is specific content, not placeholder like "not specified". It's a statement. Could be included under Requirements or Qualifications.
Educational Requirements: "University (Degree) Preferred". That's specific.
Physical Requirements: "Sedentary Work". That's specific.
Career Level and Pay: "Career Level 5IC $106,250 - $137,500". That's pay info. So we can create a Pay section with that range.
Schedule: Not mentioned. So we should not create Schedule section.
Benefits: There's a paragraph about Total Rewards package and list of benefits: Medical, dental, vision & HSA/FSA, 401(k) savings, Paid holidays & generous PTO, Additional wellness & voluntary benefits, Additional Company-provided Benefit Options (subject To Plan Terms): Tuition reimbursement, Commuter Benefits, Life and Disability Insurance. Also note: "This position is accepting applications from virtual candidates residing in Maryland. Please note that this role will be expected to transition to an in-office position and will be required to report to the Bethesda, MD office once it opens. Candidates should be comfortable with this future transition to an in-office work environment." That's about work location/transition, not benefits but could be under Schedule? Not schedule. Could be under About the role? Might be considered as additional note. But we should not create a section unless we have specific content. Could add a note under About the role? But maybe better to include as a separate section like "Work Arrangement" but not allowed headings list. Only allowed headings are those enumerated. So we must fit into those headings. The location/transition info could be placed under About the role as extra prose. Or we could drop it? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we need to keep that info. We can incorporate it into About the role paragraph.
Also "Posting End Date: 9/25/26" is metadata, we can drop or fold into short p. The instruction: "do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short