Credit Analyst

About Us

We are on a mission to provide innovative working capital solutions to small and medium-sized businesses throughout the United States, Canada, and the United Kingdom. A steady cash flow can change the course of a business and help a company define its future, promote growth, and impact the bottom line. As a leading provider of innovative funding solutions for small to medium-sized businesses, we are one of the fastest-growing companies in the industry. Through our Commercial Finance, Freight Factoring, and ABL divisions, eCapital offers capital solutions to 80+ industries. We truly love to help our clients grow, and this is a position where you can grow too.

About the Role

As a Credit Analyst, you assess the financial health and risk of clients by analyzing financial statements, building models, and supporting funding decisions. You collaborate with internal and external partners, leverage data to inform recommendations, and assist with closing documentation to support timely, well-informed credit decisions. You will be working on the Commercial Finance portfolio.

Responsibilities

• Analyze financial statements of sub-investment grade and unrated companies, with an emphasis on the unrated middle market, and form an investment thesis.
• Document credit recommendations in internal logs and credit memorandums.
• Propose funding solutions and facilitate/execute decision-making.
• Leverage data and analytical tools to bring quantitative rigor to the funding and decision-making process.
• Effectively communicate with external and internal constituents, with a keen focus on problem-solving.
• Issue and negotiate closing documentation (contracts, guaranties, subordinations, etc.).
• Other duties as assigned by direct, department, or division leadership.

Qualifications

• Bachelor’s degree or equivalent experience required, preferably in Finance, Accounting, or Business.
• 2+ years in a financial analysis role focused on investment decision-making and analytics; experience in high yield credit, equity, or private equity investing is ideal.
• Experience in supporting and making decisions that will impact go/no-go within various business transactions.
• Working knowledge of Microsoft Office: Excel, Word, Outlook, Google Docs, and the ability to learn Tableau.
• Excellent verbal and written communication skills.
• Problem-solving abilities, delivering solutions-driven work, and providing impactful results.
• Resourceful, self-starter, independent thinker.
• Team player, collaborative, responsive.
• Detail-oriented.

Benefits

• $65,000 annually
• Annual bonus
• PTO
• Health, dental, and life benefits
• 401K matching
• Abundant professional development opportunities at a growing and thriving alternative finance company

Culture

At eCapital, we're not just a funding provider—we're a strategic partner built for what's next. Our culture is defined by innovation, scalability, and personalized service. We value:

• Agility: We adapt quickly to changing market conditions and customer needs.
• Relationships: We put our clients' needs at the center of everything we do, and we believe the best results come from diverse teams working together.
• Accountability: We hold ourselves to the highest standards in all aspects of our work.
• Innovation: We constantly push boundaries to create better solutions for our clients.

We offer a dynamic work environment where you'll have the opportunity to make a significant impact on our business and the SMBs we serve. Join us in revolutionizing how businesses access and manage capital in the digital age.