Credit Analyst III, Specialty Lending

Accountabilities

• Specialty Credit Underwriting: Independently analyze and underwrite complex lending transactions across specialty sectors, including litigation finance, fund finance, leveraged lending, life settlements lending, and other designated industries.

• Collateral and Repayment Assessment: Evaluate non-traditional collateral and repayment structures, including legal asset-based receivables, enterprise valuations, and specialized real estate or other asset-backed arrangements.

• Asset-Based Lending Analysis: Build and monitor borrowing base calculations, advance rates, and collateral eligibility assessments for asset-based lending facilities.

• Litigation Finance Risk Evaluation: Assess case merits, jurisdictional considerations, legal counsel experience, case management capabilities, and anticipated recovery or settlement timelines.

• Fund Finance and Leveraged Lending: Evaluate sponsor experience, loan-to-value and loan-to-cost metrics, capital structures, and the feasibility of proposed exit strategies.

• Credit Reporting and Presentations: Prepare detailed credit presentations, underwriting analyses, and risk assessments for review by credit management, specialty lending portfolio leadership, senior management, and loan committees.

• Complex Transaction Structuring: Analyze multi-entity borrowers, special purpose vehicles, participation arrangements, and syndicated lending structures commonly used in specialty finance.

• Mentorship and Technical Guidance: Support junior credit analysts by sharing specialized underwriting knowledge, analytical methods, and best practices.

• Market and Regulatory Monitoring: Track industry, legal, and regulatory developments affecting specialty lending and incorporate relevant insights into credit decisions.

• Risk Management and Compliance: Ensure underwriting activities align with internal credit policies, applicable banking laws, regulatory requirements, and established risk management standards.

Requirements:

• Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field.

• Professional Experience: At least 5–7 years of progressive credit analysis experience, with direct exposure to specialty, structured, asset-based, or non-traditional lending strongly preferred.

• Financial Analysis: Advanced proficiency in commercial financial statement analysis, cash flow modeling, credit structuring, and evaluating unconventional repayment sources and collateral.

• Asset-Based Lending Expertise: Working knowledge of borrowing base construction, advance rates, eligible collateral criteria, and UCC lien priority.

• Receivables Financing: Familiarity with accounts receivable financing concepts, including dilution, debtor concentration, and account debtor creditworthiness.

• Specialty Lending Knowledge: Understanding of litigation finance fundamentals, including case merits, jurisdictional risks, legal counsel track records, and anticipated settlement or verdict timelines.

• Structured and Leveraged Finance: Familiarity with loan-to-value and loan-to-cost analysis, sponsor-backed mergers and acquisitions, sponsor experience, and exit-strategy viability.

• Independent Judgment: Ability to independently evaluate complex, non-standard credit structures, make sound risk assessments, and manage a high-volume workload.

• Communication Skills: Excellent written and verbal communication skills, including the ability to present complex credit analyses and recommendations to loan committees and senior stakeholders.

• Location Eligibility: Must reside in one of the following states or jurisdictions: West Virginia, Virginia, Texas, Florida, Ohio, Pennsylvania, Maryland, Washington, D.C., New York, New Jersey, Arizona, North Carolina, Georgia, or South Dakota.

• Additional Opportunity: Candidates with broader or deeper experience may be considered for a higher-level Senior Credit Analyst position.

Benefits:

• Healthcare Coverage: Medical, dental, and vision insurance.

• Health Spending Accounts: Access to Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA), and Flexible Spending Accounts (FSA).

• Disability Coverage: Short-term and long-term disability plans.

• Life Insurance: Group life insurance coverage.

• Retirement Savings: 401(k) salary deferral plan.

• Wellness: Access to a wellness program.

• Professional Development: Education and tuition expense reimbursement.

• Paid Time Off: PTO and a vacation purchase program.

• Pet Insurance: Nationwide pet insurance coverage.

• Remote Work: Remote position available to candidates residing in the specified eligible U.S. states.