AVP Private Credit Analyst - ABF

godirect; New York (NY); On-site; USD 120,000 - 190,000; Full time

Job summary

Voya Financial is seeking a seasoned Private Credit Analyst to source, underwrite, and manage asset-based investments across private credit and structured finance. You will lead diligence, build financial models, and present recommendations to senior leadership.

You will collaborate with senior analysts and portfolio managers to monitor assets, analyze credit quality, and support ongoing reporting and client requests. A CFA or equivalent is preferred, with 3–5 years of capital markets experience.

Qualifications

• Minimum Bachelor's degree; CFA Designation or equivalent preferred.
• Minimum of 3-5 years of capital markets experience at an investment bank, asset manager, or buy-side institution; specific experience in structured finance and asset-based finance is required.
• Demonstrated credit analysis skills, including ability to assess creditworthiness, structure, investment merits and key risks of asset-based and structured finance transactions.
• Advanced data analysis and structured finance modeling skills are essential, including Excel-based cash flow and scenario modeling; Python programming experience is preferred.
• Strong understanding of transaction documentation, covenant frameworks, structural protections, and creditor remedies across private credit and structured finance transactions.
• Strong written and verbal communication skills, including ability to present complex investment analyses and recommendations clearly and concisely to senior stakeholders.
• Proficiency in AI-enabled tools and their effective application to investment analysis and operational workflows.

Responsibilities

• Asset Selection: Evaluate, underwrite, and execute private credit, structured finance, and alternative investment opportunities; screen new transactions and formulate investment recommendations.
• Asset Selection: Review data including collateral tapes, financial statements, and asset-level information to assess credit quality and risk.
• Asset Selection: Lead due diligence and execution, coordinating with issuers, sponsors, and advisors to manage timelines and drive closing.
• Asset Selection: Negotiate terms with issuers, sponsors, and advisors.
• Asset Selection: Develop and analyze financial models to support underwriting and decisions.
• Asset Selection: Present investment recommendations and diligence findings to senior members and Investment Committee.
• Asset Selection: Share market insights across investment teams to support decision-making.

Skills

Capital markets

Credit analysis

Structured finance

Financial modeling

Data analysis

Excel modeling

Python

Communication

AI tools

Education

Bachelor's degree

CFA designation preferred

Tools

Excel

Python

Job description

Together we fight for everyone's opportunity for a better financial future.

We will do this together - with customers, partners and colleagues. We will fight for others, not against: We will stand up for and champion everyone's access to opportunities. The status quo is not good enough ... we believe every individual and every community deserves access to financial opportunities. We are determined to support both individuals and communities in reaching a better financial future. We know that reaching this future depends on our actions today.

Like our Purpose Statement, Voya believes in being bold and committed to action. We are committed to a work environment where the differences that we are born with - and those we acquire throughout our lives - are understood, valued and intentionally pursued. We believe that our employees own our culture and have a responsibility to foster an environment where we all feel comfortable bringing our whole selves to work. Purposefully bringing our differences together to positively influence our culture, serve our clients and enrich our communities is essential to our vision.

Are you ready to join a company with a strong purpose and a winning culture? Start your Voyage -

Get to Know the Opportunity

Collaborate with senior analysts and portfolio managers to source and manage asset-based finance investments for client portfolios across the full investment lifecycle-from origination and underwriting through execution and ongoing monitoring.

The Contributions You Will Make

I. Asset Selection

• Evaluate, underwrite, and execute private credit, structured finance, and alternative investment opportunities, including screening new transactions, assessing relative value, and formulating investment recommendations.
• Review and analyze data including collateral tapes, financial statements and other underlying asset-level information to assess credit quality and investment risk.
• Lead transaction due diligence and execution, coordinating with issuers, sponsors, investment banking advisors, counsel, and internal stakeholders to manage timelines and drive transactions through closing.
• Negotiate key economic, structural, and documentation terms with issuers, sponsors, and their advisors.
• Develop and analyze financial models, including cash flow forecasts, sensitivity analyses, and stress scenarios, to support underwriting and investment decisions.
• Prepare and present investment recommendations, underwriting analyses, and diligence findings to senior members of the Private Credit group and Investment Committee.
• Collaborate across investment teams to share market insights, underwriting perspectives, and lessons learned to support investment decision-making and portfolio management.

II. Portfolio Monitoring

• Monitor financial performance and credit quality of private credit assets, including compliance with deal triggers and covenants.
• Maintain regular communication with borrowers, sponsors, servicers, agents, and other transaction counterparties.
• Support ongoing portfolio management activities, including funding requests, investor reporting, and responses to ad hoc client requests.
• Maintain complete and accurate investment records, transaction documentation, and monitoring materials for assigned portfolio assets.
• Evaluate amendment and waiver requests in coordination with senior investment professionals and legal counsel; prepare recommendations and obtain required approvals.
• Conduct ongoing research and monitoring of borrowers, industries, and asset classes to identify emerging risks, market developments, and investment opportunities.
• Partner with Portfolio Management, Operations, and Technology teams to develop and enhance tools, processes, and reporting capabilities that improve investment monitoring and the capture of key transaction terms and risks.

Minimum Knowledge and Experience

• Minimum Bachelor's degree; CFA Designation or equivalent preferred.
• Minimum of 3-5 years of capital markets experience at an investment bank, asset manager, or buy-side institution; specific experience in structured finance and asset-based finance is required.
• Demonstrated credit analysis skills, including the ability to assess the creditworthiness, structure, investment merits and key risks of asset-based and structured finance transactions.
• Advanced data analysis and structured finance modeling skills are essential, including Excel-based cash flow and scenario modeling; Python programming experience is preferred.
• Strong understanding of transaction documentation, covenant frameworks, structural protections, and creditor remedies across private credit and structured finance transactions.
• Strong written and verbal communication skills, including the ability to present complex investment analyses and recommendations clearly and concisely to senior stakeholders.
• Proficiency in AI-enabled tools and their effective application to investment analysis and operational workflows, including appropriate co