Asset-Backed Finance Analyst, Lender Finance

United States·Charlotte,ChicagoNormalmid

OtherFinance Analyst

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Quick Summary

Overview

Asset-Backed Finance AnalystThe Asset-Backed Finance Analyst role is responsible for analyzing and managing asset-backed financing transactions, primarily focusing on the evaluation of receivables,

Technical Tools

OtherFinance Analyst

Responsibilities

~2 min read

→Conducts detailed financial analysis of asset-backed securities and evaluates performance metrics.
→Prepares complex financial models to assess risk and return profiles of asset-backed transactions.
→Collaborates with cross-functional teams to structure asset-backed financing solutions that meet client objectives.
→Prepares comprehensive reports and presentations for internal stakeholders and clients, summarizing financial findings and market insights.
→Monitors and analyzes trends in the asset-backed financing market to identify potential opportunities and risks.
→Ensures compliance with regulatory requirements and internal policies related to asset-backed transactions.
→Assists in the due diligence process by reviewing documentation and assessing the creditworthiness of underlying assets.

→Assist in the underwriting, execution and ongoing monitoring of secured financing transactions across a variety of asset classes, including specialty finance companies and other financial institutions.
→Prepare transaction materials including preliminary deal screening memos, approval and closing memos.
→Review and analyze borrower financial statements, collateral files, loan tapes, borrowing-base certificates, and other required reporting for accuracy, completeness, and compliance with transaction terms.
→Build and maintain financial and cash flow models to evaluate transaction structure, advance rates, coverage metrics, and key risk factors.
→Monitor financial and collateral performance, covenant compliance, risk ratings, portfolio concentrations, borrower liquidity and capitalization, and other key credit indicators; identify and escalate emerging risks.
→Review borrowing-base submissions, collateral eligibility, funding and advance requests, and related supporting documentation in accordance with facility terms and internal approval requirements.
→Identify, track, and analyze key performance indicators (KPIs) across similar transactions in the portfolio to support trend analysis, risk identification, and portfolio reporting.
→Support amendments, waivers, and other servicing requests by coordinating updated diligence, preparing modification memoranda, and assisting with changes to legal documentation.
→Assist with recurring credit and reporting processes, including annual reviews, internal risk rating updates, deal monitoring, portfolio reporting, and covenant compliance tracking.
→Support day-to-day client management activities, respond to routine requests, and provide transaction updates.
→Conduct industry, asset class, and market research to support underwriting, portfolio analysis, and risk identification.
→Follow the Bank's credit, compliance, regulatory, and operational standards throughout the transaction lifecycle.
→Contribute to internal risk reviews and credit committee discussions.

Requirements

~1 min read

1-3 years of experience in credit analysis, underwriting, portfolio management, financial analysis, or a related financial services role.
Understanding of financial statements, cash flow analysis, and credit risk assessment.
Strong analytical, problem-solving, and financial modeling skills.
Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
Strong written, verbal, and interpersonal communication skills.
Detail-oriented with strong organizational skills.
Proficient in Microsoft Office, including Excel, Word, PowerPoint, and Outlook.
Ability to work independently and collaboratively within a team environment.
Willingness to travel up to 15% as business needs require.

Experience in Structured Finance, Specialty Finance, Asset-Based Lending, or other secured lending environments.
Formal credit training or experience applying commercial credit policies and risk-rating methodologies.
Knowledge of loan documentation, borrowing-base lending, collateral monitoring, and covenant compliance.
Experience preparing credit approval memos, annual reviews, risk assessments, or portfolio reporting.
Advanced Excel and financial modeling skills.