Credit Analyst III, Specialty Lending

Jobgether; Yorktown (VA); Remote; USD 110,000 - 160,000; Full time

Benefits offered by this job

Health insurance

Vision insurance

Dental insurance

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. The candidate will evaluate complex lending transactions across specialty sectors, including asset-based and litigation finance, with a focus on non-traditional collateral and rigorous risk assessment.

The role requires strong financial modeling, credit judgment, and the ability to present analyses to senior leadership and loan committees.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• At least 5–7 years of progressive credit analysis experience, with exposure to specialty lending.
• Advanced proficiency in commercial financial statement analysis and cash flow modeling.
• Familiarity with asset-based lending concepts and non-traditional collateral.
• Understanding of litigation finance fundamentals and leveraged financing principles.
• Independent judgment to evaluate complex credit structures and manage high-volume workload.
• Excellent written and verbal communication for presenting analyses to committees.

Responsibilities

• Independently analyze and underwrite complex lending transactions across specialty sectors.
• Evaluate non-traditional collateral and repayment structures for asset-based lending facilities.
• Build and monitor borrowing base calculations, advance rates, and collateral eligibility.
• Assess litigation finance risk, including case merits and jurisdictional considerations.
• Evaluate sponsor experience, loan-to-value metrics, and exit strategies.
• Prepare detailed credit presentations for senior management and loan committees.
• Mentor junior analysts and share underwriting best practices.
• Monitor market, legal, and regulatory developments affecting specialty lending.

Skills

Financial modeling

Credit judgment

Communication skills

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).