Senior Credit Analyst – Private Credit

# Senior Credit Analyst – Private Credit Senior Credit Analyst – Private Credit Salary$Negotiable Location Irvine , CA, USA Contract Permanent Industry Investments ---Contact Michael Cellier Michael.

Cellier

Job Title:

Senior Credit Analyst – Private Credit### Position Summary The Senior Credit Analyst will play a key role on the private credit investment team, with primary responsibility for evaluating, structuring, and monitoring middle-market private debt investments. This position demands strong credit judgment, advanced financial modeling capabilities, and the ability to independently assess risk across a range of capital structures. The role partners closely with Portfolio Managers throughout the investment lifecycle, from initial underwriting through exit.

Experience with workouts or restructurings is advantageous.### Core Responsibilities
* Support the underwriting of new private credit transactions, including senior secured loans and select factoring opportunities
* Develop and maintain robust financial models incorporating cash flow forecasts, leverage and coverage metrics, downside scenarios, and return analysis
* Draft detailed investment memoranda and present analyses and recommendations to the Investment Committee
* Conduct in-depth assessments of borrower business models, industry trends, competitive landscapes, and management quality
* Review and analyze capital structures, credit documentation, covenant frameworks, collateral packages, and key legal terms
* Assist with transaction execution, coordinating with legal advisors, sponsors, and third-party consultants
* Oversee ongoing portfolio monitoring through periodic financial reviews, covenant testing, amendment analysis, and performance tracking
* Identify emerging credit concerns and proactively evaluate risk mitigation or remediation strategies
* Monitor private credit market conditions, pricing trends, and relevant comparable transactions
* Contribute to portfolio-level risk management, asset allocation considerations, and continuous process enhancements### Education
* Bachelor’s degree in Finance, Accounting, Economics, Business, or a related discipline (required)
* MBA or other advanced degree preferred
* CFA designation or progress toward completion is a plus### Experience
* At least 5 years of applicable experience in private credit or closely related credit-oriented roles, such as:
1. Direct lending or private credit funds
2. Credit platforms within private equity firms
3. Leveraged finance or credit teams at investment banks
4. Commercial or corporate banking underwriting groups
* Proven background underwriting and managing middle-market private credit investments
* Extensive hands-on experience with financial modeling, including cash flow analysis and stress scenarios
* Working knowledge of private credit legal documentation and structures### Skills & Attributes
* Strong foundation in credit analysis, risk evaluation, and complex capital structures
* Advanced financial statement analysis and modeling proficiency
* Clear and effective written and verbal communication skills, including presentation to investment committees
* Ability to operate independently while working collaboratively with senior investment professionals
* High level of attention to detail, sound judgment, and a disciplined approach to risk
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