Capital Markets Analyst – Credit Facilities & Reporting

Above Lending, Inc.; Chicago (IL); Hybrid; USD 70,000 - 110,000; Full time

Benefits offered by this job

Hybrid work model

Annual bonus

Job summary

Above Lending, Inc. is seeking a capital markets analyst to support the Company’s credit facilities and related financing activities.

You will report to the Capital Markets Manager and collaborate across functions on day-to-day facility operations and reporting, ensuring accurate data and timely insights. The ideal candidate has 2–4 years in middle-office or reporting roles within finance, with advanced Excel skills and a data-driven mindset to flag issues and derive actionable summaries for

Qualifications

• 2–4 years of experience in a middle-office or reporting-focused role within structured finance, private credit, or specialty finance.
• Direct exposure to credit facilities, borrowing base mechanics, or covenant reporting.
• Advanced Excel proficiency and ability to work with large data sets.
• Ability to identify and reconcile discrepancies independently.

Responsibilities

• Support day-to-day activity across the Company’s credit facilities, including funding, collateral, and reporting flows.
• Prepare and review lender reporting, ensuring accuracy, completeness, and external readiness.
• Assist in monitoring borrowing base, eligibility, concentration limits, and covenant compliance.
• Work with large data sets to analyze facility performance and flag anomalies or discrepancies.

Skills

Attention to detail

Analytical mindset

Effective communicator

Tools

Excel

SQL

VBA

Job description

Above Lending is a next-generation financial services company helping everyday Americans break the cycle of high-cost debt and move toward a stronger financial future. Through customized lending solutions, competitive rates, and personalized support, our mission is to simplify the lending process and help our clients achieve financial well-being. We are committed to making credit more affordable and accessible; backed by a culture grounded in compliance and ethics, and technology built around the people we serve.

We are growing quickly, and we are looking for new collaborators to help us reach the next level. If you want to join a forward-thinking, rapidly growing organization where helping people is the number one goal, we want to hear from you.

This role will support the Company’s credit facilities and related financing activities, reporting to the Capital Markets Manager and cross-functionally on day-to-day facility operations and reporting. This role will play a key role in monitoring facility performance and maintaining accuracy across a range of reporting and large data sets.

The ideal candidate is detail-oriented and highly accountable. We’re looking for someone who will flag issues, ask questions, take genuine ownership of their work, and cares about understanding what the numbers mean and what the reporting supports.

This is a hands-on role ideal for someone who thrives in fast-paced environments and wants to build deep expertise in capital markets at a fast-growing lending platforms.

This role is hybrid, 3 days per week, in our Chicago office.

Above Lending is a next-generation financial services company helping everyday Americans break the cycle of high-cost debt and move toward a stronger financial future. Through customized lending solutions, competitive rates, and personalized support, our mission is to simplify the lending process and help our clients achieve financial well-being. We are committed to making credit more affordable and accessible; backed by a culture grounded in compliance and ethics, and technology built around the people we serve.

We are growing quickly, and we are looking for new collaborators to help us reach the next level. If you want to join a forward-thinking, rapidly growing organization where helping people is the number one goal, we want to hear from you.

This role will support the Company’s credit facilities and related financing activities, reporting to the Capital Markets Manager and cross-functionally on day-to-day facility operations and reporting. This role will play a key role in monitoring facility performance and maintaining accuracy across a range of reporting and large data sets.

The ideal candidate is detail-oriented and highly accountable. We’re looking for someone who will flag issues, ask questions, take genuine ownership of their work, and cares about understanding what the numbers mean and what the reporting supports.

This is a hands-on role ideal for someone who thrives in fast-paced environments and wants to build deep expertise in capital markets at a fast-growing lending platforms.

This role is hybrid, 3 days per week, in our Chicago office.

Responsibilities
Facility Reporting & Monitoring

• Support day-to-day activity across the Company’s credit facilities, including funding, collateral, and reporting flows


• Prepare and review lender reporting, ensuring accuracy, completeness, and external readiness


• Assist in monitoring borrowing base, eligibility, concentration limits, and covenant compliance


• Work with large data sets to analyze facility performance and flag anomalies or discrepancies

Analysis & Support

• Support routine lender requests and follow-ups


• Translate facility data into clear summaries and items of note


• Maintain rigorous quality control over recurring reporting deliverables


• Identify and help implement process improvements to enhance efficiency and accuracy

What We're Looking For
Experience and Technical Skills

• 2-4 years of experience in a middle-office, credit, or reporting-focused role within structured finance, private credit, or speciality finance


• Direct exposure to credit facilities, borrowing base mechanics, or covenant/eligibility reporting


• Advanced excel proficiency is required; comfort working and troubleshooting with large data sets is essential to this role


• Able to identify and reconcile discrepancies independently

Profile

• Ownership and accountability mentality; detail-oriented, with high standards for accuracy and output quality


• Comfortable operating in a lean, fast-paced environment


• Clear communicator, able to work effectively with internal stakeholders and lenders

Nice to Have

• Experience in specialty finance or consumer lending


• Exposure to adjacent asset classes


• SQL and VBA experience is a plus, but not required

Join our dynamic team and contribute to Above Lending’s success as we continue to provide innovative lending solutions to our customers.

Under the California Consumer Privacy Act (“CCPA”), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together “job applicants”) about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.

*Above Lending is an equal opportunity Employer*

Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions. No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams. No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

This role is eligible for additional incentives, including an annual bonus. These rewards are allocated based on level, impact and performance in the role. The compensation range is based on the level outlined in the job posting, and compensation decisions are dependent on each applicant's experience, skills and abilities.