Credit Analyst

permianlabs-xyz; New York (NY); On-site; USD 100,000 - 125,000; Full time

Benefits offered by this job

Long-term equity incentive package

Unlimited PTO

Health & wellness reimbursements

Job summary

USD.AI in New York City is seeking a Credit Analyst to serve as the front door of our lending business, guiding AI infrastructure operators from first conversation to funded loans, building rapport and gathering required documents.

This role blends relationship management with underwriting rigor: you will conduct diligence, model financials, assemble materials, and coordinate across internal teams to move deals to close while keeping records audit-ready.

Qualifications

• 2–4 years of experience in originations, credit, lending, deal or transaction support, investment banking, or a similar client-facing finance role.
• Strong organizational and project-management instincts — you can run multiple deals and diligence processes at once without dropping threads.
• Comfort working with financial documents and data; you can read a data room and know what matters.
• Excellent written and verbal communication, and a professional, trustworthy presence with external counterparties.
• High agency and comfort operating in ambiguity — you take ownership and figure things out.
• Based in NYC.

Responsibilities

• Support the borrower relationship. Be a primary point of contact from first touch through funding for a segment of borrowers — build trust, keep borrowers informed, and keep deals moving.
• Shepherd deals through diligence. Request and organize documents, chase down missing information, and manage timelines so nothing stalls.
• Support underwriting. Conduct deep credit analysis, model expected financials, help assemble diligence materials, populate the underwriting scorecard, and flag risks or gaps for the credit team.
• Coordinate the deal. Work across internal teams (credit, legal, compliance, finance) and external parties to move deals to close.
• Draft deal materials. Prepare investment proposal memos, teasers, term sheet summaries and internal deal updates that are clear, accurate and quick to review.
• Keep records clean. Maintain deal records, pipeline, and documentation that are current, organized, and audit-ready.
• Report on the pipeline. Produce regular pipeline and conversion metrics for leadership, such as deal stage, time to close, win and loss reasons, and volume forecasts.
• Improve the process. Help refine and strengthen the origination and diligence workflow as we scale origination volume.

Skills

Credit analysis

Relationship management

Project management

Financial statement reading

Communication

Ambiguity tolerance

Job description

Job Title: Credit Analyst

Company: USD.AI

Location: New York City, in-office

Employment Type: Full-time

About USD.AI

USD.AI provides AI infrastructure operators with strategic, non-dilutive financing facilities essential for their scale requirements. The company delivers non-recourse loans secured by GPU infrastructure and asset-level cashflows, offering capital providers exposure to liquid, transparent, and tradable credit products secured by income‑producing compute assets. For more information, visit https://usd.ai/

The Team

Our team draws experience from Coreweave, DRW, Deutsche Bank, JP Morgan, Circle, and other leading tech and financial institutions. We are Series A-funded by Coinbase Ventures, PayPal, Framework, Dragonfly, and others. We’ve built financial products facilitating hundreds of millions in transaction volume across diverse asset types. We have no middle managers and move quickly from idea to execution. We value integrity, high‑agency and the ability to operate in ambiguity above all else.

The Role

The Credit Analyst sits at the front door of USD.AI’s lending business. You will be the person guiding AI infrastructure and compute operators seeking GPU‑backed financing through the journey from first conversation to funded loan. That means building rapport with borrowers, gathering what we need, and shepherding each deal through underwriting and diligence while supporting the credit team’s analysis.

This is a strong fit for someone who is part relationship manager, part analyst: comfortable being the borrower’s main point of contact, organized enough to run a diligence process end to end, and curious enough to dig into the numbers and documents behind a credit decision.

Responsibilities

• Support the borrower relationship. Be a primary point of contact from first touch through funding for a segment of borrowers — build trust, keep borrowers informed, and keep deals moving.
• Shepherd deals through diligence. Request and organize documents, chase down missing information, and manage timelines so nothing stalls.
• Support underwriting. Conduct deep credit analysis, model expected financials, help assemble diligence materials, populate the underwriting scorecard, and flag risks or gaps for the credit team.
• Coordinate the deal. Work across internal teams (credit, legal, compliance, finance) and external parties to move deals to close.
• Draft deal materials. Prepare investment proposal memos, teasers, term sheet summaries and internal deal updates that are clear, accurate and quick to review.
• Keep records clean. Maintain deal records, pipeline, and documentation that are current, organized, and audit‑ready.
• Report on the pipeline. Produce regular pipeline and conversion metrics for leadership, such as deal stage, time to close, win and loss reasons, and volume forecasts.
• Improve the process. Help refine and strengthen the origination and diligence workflow as we scale origination volume.

Requirements

• 2–4 years of experience in originations, credit, lending, deal or transaction support, investment banking, or a similar client‑facing finance role.
• Strong organizational and project‑management instincts — you can run multiple deals and diligence processes at once without dropping threads.
• Comfort working with financial documents and data; you can read a data room and know what matters.
• Excellent written and verbal communication, and a professional, trustworthy presence with external counterparties.
• High agency and comfort operating in ambiguity — you take ownership and figure things out.
• Based in NYC.

Nice to Have

• Exposure to private credit, structured credit, asset‑based lending, or underwriting and diligence processes.
• Interest in AI infrastructure, GPU compute, or data centers.
• A track record of improving or building operational processes.

What We Offer

• Competitive base salary ($100,000 - $125,000) commensurate with experience.
• Long‑term equity incentive package.
• Unlimited PTO.
• Health & wellness reimbursements.