Credit Associate - Food & Beverage

An intermediate role supporting credit analysis and portfolio management activities, including credit data analysis, underwriting, and portfolio review. The Credit Associate may manage a book of lower-complexity loans and relationships, collaborating with team members to maintain high standards of credit quality and compliance.

Responsibilities

• Support the underwriting and management of cash-flow and asset-based loans ≥$25.0 million for the national Food & Beverage (“F&B”) platform across sponsor and strategic channels.
• Target borrowers with EBITDA >$10.0 million and revenue >$200.0 million, including private and public companies.
• Handle structures such as revolvers, term loans, delayed draw term loans, and CAPEX lines across multiple product lines.
• Support transaction types including leveraged buyouts, management buyouts, refinances, growth capital, recapitalizations, and add-on acquisitions.
• Assist in due diligence efforts as Agent or Participant for borrowers across the F&B value chain (e.g., manufacturers, processors, distributors, grocers).
• Perform historical and projected financial statement analysis, dynamic 3-statement financial modeling, and credit memorandum preparation.
• Support portfolio monitoring for borrowers across multiple F&B subsectors, including monthly/quarterly and annual reviews covering financial performance, risk ratings, capacity to repay, and covenants.
• Evaluate credit requests to assess creditworthiness and prepare approval memorandums.

Requirements

• Bachelor’s degree or equivalent in Finance, Business, or a related field.
• Minimum 2 years of progressively increasing credit underwriting and portfolio management experience in a relevant industry.
• Intermediate experience (ideally 3+ years) in credit management and lending operations, with a strong understanding of risk management principles.
• Strong desire to learn advanced underwriting and portfolio management skills, with a focus on professional growth and eventual ownership of a portfolio of credits.
• Commitment to effective risk management practices, maintaining high standards of credit quality and compliance with institutional and regulatory requirements.
• Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams.
• Intermediate analytical skills, with the ability to interpret complex data and make informed decisions.

Benefits

• Comprehensive healthcare coverage, including Medical, Dental, and Vision plans (available the first of the month following start date).
• Generous 401(k) company matching contribution.
• Career development through tuition reimbursement and internal upskilling/training resources.
• Valued Time Away benefits, including vacation, sick, and volunteer time.
• Specialized health and family planning benefits, including fertility support and cancer, diabetes, and musculoskeletal programs.
• Career mobility support from a dedicated recruitment team.
• Colleague Resource Groups to support networking and community engagement.

Pay

Starting base salary: $34.55 - $55.19 per hour. Exact compensation may vary based on skills, experience, and location. Eligible for bonus and/or commissions.