Credit Associate Overview • The Credit Associate will support the Credit team in underwriting and structuring asset-backed revolving credit facilities and corporate term debt. • Gain hands-on experience in private credit industry, working closely with cross-functional teams and senior management. • Conduct detailed due diligence and financial analysis to assess creditworthiness of borrowers and their assets. • Prepare comprehensive credit memos and presentations for senior management and committees. • Develop and maintain financial models to forecast cash flows and evaluate investment risks. • Collaborate with transaction management teams and back-office teams to ensure seamless operations. • Stay updated on market conditions, industry trends, and legal developments impacting the portfolio. • Contribute to the formulation of risk mitigation strategies for loan agreements. Credit Associate Key Responsibilities & Duties • Conduct in-depth evaluations of prospective borrowers, analyzing financial statements and business models. • Develop detailed financial models to forecast cash flows and assess debt coverage. • Perform stress tests on financial models to identify risks and coverage gaps. • Assist in drafting key risk mitigating terms for loan agreements and covenants. • Prepare detailed credit memos and presentations summarizing findings and recommendations. • Generate regular and ad-hoc reports for internal and external stakeholders. • Collaborate with cross-functional teams to ensure alignment on credit transactions. • Monitor market conditions and industry trends to inform credit strategies. Credit Associate Job Requirements • Bachelor’s degree in Finance, Economics, Accounting, or related field required. • 2-5 years of experience in credit analysis, structured credit, or related financial services roles. • Proficiency in financial modeling and analysis, including building complex models. • Familiarity with credit agreements, loan covenants, and structured credit documentation. • Strong written and verbal communication skills for presenting financial data. • Advanced proficiency in Microsoft Excel and PowerPoint. • Ability to work independently and collaboratively in a fast-paced environment. • Demonstrated interest in private credit, financial markets, and credit risk.