Senior Credit Analyst

Trinity Capital; Phoenix (AZ); On-site; USD 75,000 - 95,000; Full time

Job summary

A leading financing firm in Phoenix, Arizona is seeking a Senior Credit Analyst to support credit underwriting and due diligence for portfolio companies. The ideal candidate should have approximately three years of credit experience and a solid understanding of tech lending metrics. Responsibilities include evaluating financial data, conducting analyses, and presenting to the Investment Committee. Strong analytical and communication skills are essential for this role, which offers minimal travel and a collaborative environment.

Qualifications

• Around three years of relevant credit experience in tech lending.
• Proficient understanding of financial reports: income statement, balance sheet, and cash flow.
• Ability to work in a fast-paced environment under firm deadlines.

Responsibilities

• Support credit underwriting and due diligence for portfolio companies.
• Evaluate and summarize financial data from prospective clients.
• Prepare investment committee presentation material.

Skills

Analytical mindset

Strong communication skills

Proficiency in Microsoft Excel

Financial modeling

Ability to multitask

Education

Bachelor’s degree in Finance or related field

Tools

Microsoft Excel

Job description

The Senior Credit Analyst will support credit underwriting and due diligence for prospective portfolio companies, with a focus on tech lending structures. This role involves analyzing collateral, borrower performance, and cash flow across the tech lending industry, and contributing to credit memos and business cases supporting financing transactions. The ideal candidate will have approximately three years of relevant credit experience and a strong understanding of tech lending metrics and risk drivers. Strong written and verbal communication skills are essential, as the role requires close collaboration with Origination team members and regular presentations to the Investment Committee.

Responsibilities

• Collect and review submitted data from prospective portfolio companies; work with the deal team and borrower management to address any gaps or deficiencies.
• Evaluate and summarize financial data from prospective client companies; identify key assumptions and trends, and highlight any inconsistencies.
• Work closely with the deal team on the assessment of new opportunities and clearly communicate recommendations for accept / reject decisions; assist in developing ideas for transaction structure.
• Research industry drivers and opportunities; assess potential impact of key value drivers on business plan assumptions.
• Conduct deep-dive analyses of prospective client companies’ data-tape and asset performance, financial results, forecasts, business plans, intellectual property, collateral, etc.
• Participate in the due diligence process, including calls with client company’s executive management, investors, and customers, as well as on-site management visits when appropriate.
• Prepare investment committee presentation material and present analysis results to Credit Team peers and Investment Committee in a clear and concise manner.

Characteristics

• Analytical mindset
• Clear and concise written and verbal communication skills
• The ability to collaborate across functional groups
• Ability to multitask and maintain a broad perspective along with intense focus
• Positive attitude and strong work ethic

Experience

• Bachelor’s degree in a business discipline, preferably Finance
• A minimum of three (3) years of industry experience in a relevant role
• High level of proficiency in Microsoft Excel and financial modeling
• Proficiency understanding workflows for tech lending.
• Deep familiarity with financial reports: income statement, balance sheet, and cash flow
• Familiarity with and general understanding of the various aspects of business operations, e.g., sales, marketing, product development, production, etc.
• Ability to multi-task and work in a fast-paced environment with firm deadlines
• Strong and confident communication skills; meticulous attention to detail

Preferred Qualifications

• MBA or MS Finance.
• Experience within tech lending platforms.
• Experience interfacing with attorneys and the negotiation of contracts.
• Familiarity with the terms of venture equity investing and capital structure.
• Familiarity with the key aspects of equipment leasing transactions.
• Personal network of entrepreneurs, investment bankers and financial sponsors
• Experience in distressed financing situations

Physical Requirements

• Ability to sit, stand, talk, utilize a computer, and read computer screens for extended periods of time
• Ability to lift up to 20 lbs.

Other

• Minimal travel expected (approximately <5%)

Equal Opportunity Employment Statement

Trinity is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity, or any other characteristic protected by law.