Credit Analyst II-Leverage Finance Credit

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
• Aids 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
• Projects financial 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
• Presents with Senior Credit Officers, Leveraged Finance Capital Markets, Investment Banking Coverage and Risk teammates to assess and deliver leveraged credit solutions
• Maintains monitoring and underwriting tasks, supporting key internal stakeholders to achieve successful execution of new broadly syndicated or Private Credit leveraged finance transactions
• Makes operational performance and financial condition assessments through earnings calls, periodic financial reporting, and ongoing performance reviews
• Provides 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

Requirements

• 1+ years of relevant experience in commercial/corporate banking credit analysis 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
• Effective management of 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