Credit Analyst III, Specialty Lending

Jobgether; Pennsylvania; Remote; USD 90,000 - 130,000; Full time

Benefits offered by this job

Healthcare coverage

HSA/HRA/FSA

Disability insurance

Life insurance

401(k) plan

Tuition reimbursement

Job summary

Jobgether is seeking a Credit Analyst III, Specialty Lending for a remote US-based role. You will evaluate and underwrite complex lending transactions across specialty sectors and prepare risk assessments for senior leadership.

The ideal candidate has 5–7 years of credit experience, strong financial modeling skills, and the ability to mentor junior analysts while upholding regulatory standards.

Qualifications

• Bachelor's degree required in Finance, Accounting, Economics, or related field.
• 5–7 years of progressive credit analysis experience, with specialty, structured, asset-based, or non-traditional lending strongly preferred.
• Advanced proficiency in commercial financial statement analysis, cash flow modeling, credit structuring, and evaluating unconventional repayment sources and collateral.
• Familiarity with accounts receivable financing concepts, including dilution, debtor concentration, and account debtor creditworthiness.
• Understanding of litigation finance fundamentals, case merits, jurisdictional risks, and settlement timelines.
• Knowledge of loan-to-value and loan-to-cost analysis, sponsor-backed structures, and exit-strategy viability.
• Ability to independently evaluate complex credit structures and manage a high-volume workload.
• Excellent written and verbal communication skills for presentations to loan committees and senior stakeholders.

Responsibilities

• Underwrite complex specialty lending transactions across sectors.
• Evaluate non-traditional collateral and repayment structures.
• Build and monitor borrowing base calculations, advance rates, and collateral eligibility.
• Assess litigation finance risk, timelines, and case merits.
• Evaluate sponsor experience and feasibility of exit strategies in fund and leveraged lending.
• Prepare detailed credit presentations and risk assessments for senior management and loan committees.
• Analyze multi-entity borrowers, SPVs, and syndicated lending structures.
• Mentor junior credit analysts and share underwriting methods.
• Monitor market, legal and regulatory developments affecting specialty lending.
• Ensure underwriting aligns with internal policies, banking laws and risk standards.

Skills

Credit analysis

Cash flow modeling

Credit structuring

Asset-based lending

Litigation finance

Structured finance

Independent judgment

Communication skills

Financial analysis

Education

Bachelor’s degree in Finance, Accounting, Economics, or related field

Job description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Credit Analyst III, Specialty Lending based in the United States. We are seeking an experienced credit professional to evaluate and underwrite complex lending transactions across specialized financial sectors. This remote opportunity is suited to an analytical, detail-oriented professional with expertise in structured, asset-based, or non-traditional lending. You will assess sophisticated borrower structures, unconventional collateral, repayment sources, and industry-specific risks to support sound lending decisions. Working closely with credit leadership and senior stakeholders, you will prepare comprehensive risk assessments that inform credit approvals and portfolio quality. You will also contribute to the development of junior analysts and help strengthen underwriting practices across the specialty lending team. S. state and bring strong financial modeling, credit judgment, and communication skills.

Responsibilities

• \Specialty Credit Underwriting: Independently analyze and underwrite complex lending transactions across specialty sectors, including litigation finance, fund finance, leveraged lending, life settlements lending, and other designated industries.
• Collateral and Repayment Assessment: Evaluate non-traditional collateral and repayment structures, including legal asset-based receivables, enterprise valuations, and specialized real estate or other asset-backed arrangements.
• Asset-Based Lending Analysis: Build and monitor borrowing base calculations, advance rates, and collateral eligibility assessments for asset-based lending facilities.
• Litigation Finance Risk Evaluation: Assess case merits, jurisdictional considerations, legal counsel experience, case management capabilities, and anticipated recovery or settlement timelines.
• Fund Finance and Leveraged Lending: Evaluate sponsor experience, loan-to-value and loan-to-cost metrics, capital structures, and the feasibility of proposed exit strategies.
• Credit Reporting and Presentations: Prepare detailed credit presentations, underwriting analyses, and risk assessments for review by credit management, specialty lending portfolio leadership, senior management, and loan committees.
• Complex Transaction Structuring: Analyze multi-entity borrowers, special purpose vehicles, participation arrangements, and syndicated lending structures commonly used in specialty finance.
• Mentorship and Technical Guidance: Support junior credit analysts by sharing specialized underwriting knowledge, analytical methods, and best practices.
• Market and Regulatory Monitoring: Track industry, legal, and regulatory developments affecting specialty lending and incorporate relevant insights into credit decisions.
• Risk Management and Compliance: Ensure underwriting activities align with internal credit policies, applicable banking laws, regulatory requirements, and established risk management standards.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Professional Experience: At least 5–7 years of progressive credit analysis experience, with direct exposure to specialty, structured, asset-based, or non-traditional lending strongly preferred.
• Financial Analysis: Advanced proficiency in commercial financial statement analysis, cash flow modeling, credit structuring, and evaluating unconventional repayment sources and collateral.
• Asset-Based Lending Expertise: Receivables Financing: Familiarity with accounts receivable financing concepts, including dilution, debtor concentration, and account debtor creditworthiness.
• Understanding of litigation finance fundamentals, including case merits, jurisdictional risks, legal counsel track records, and anticipated settlement or verdict timelines.
• Structured and Leveraged Finance: Familiarity with loan-to-value and loan-to-cost analysis, sponsor-backed mergers and acquisitions, sponsor experience, and exit-strategy viability.
• Independent Judgment: Ability to independently evaluate complex, non-standard credit structures, make sound risk assessments, and manage a high-volume workload.
• Excellent written and verbal communication skills, including the ability to present complex credit analyses and recommendations to loan committees and senior stakeholders.

Candidates with broader or deeper experience may be considered for a higher-level Senior Credit Analyst position.

Benefits

• Healthcare Coverage: Medical, dental, and vision insurance.
• Health Spending Accounts: Access to Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA), and Flexible Spending Accounts (FSA).
• Disability Coverage: Short-term and long-term disability plans.
• Life Insurance: Group life insurance coverage.
• Retirement Savings: 401(k) salary deferral plan.
• Education and tuition expense reimbursement.

Remote Work: Remote position available to candidates residing in the specified eligible U.We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR).