Senior Private Credit Underwriter & Diligence Lead

HUM Capital, Inc.; New York (NY); On-site; USD 175,000 - 225,000; Full time

Benefits offered by this job

Comprehensive medical coverage

Job summary

Hum Capital, Inc. seeks a Private Credit Underwriter to own each loan from term sheet to portfolio, turning diligence and financial analysis into decision-ready memos for the Investment Committee. Location options include New York City or Chicago, with on-site work.

The role emphasizes leadership, mentoring junior staff, and applying AI underwriting tools to validate borrower performance. Requires 5–10 years of underwriting experience and a track record of presenting to credit committees;

Qualifications

• 5–10 years of private credit underwriting experience.
• Experience authoring credit approval memos for IC.
• Strong financial statement, cash flow and covenant analysis; advanced Excel.

Responsibilities

• Prepare concise executive summaries and term sheet comparisons for IC and senior management.
• Present a clear credit thesis: business model, sources of repayment, key risks, mitigants and recommended structure.
• Analyze historical and projected financial statements, cash flow, liquidity, leverage and debt service capacity.
• Build and stress-test downside cases; size facilities against cash flow and collateral coverage.
• Lead diligence workstreams: management calls, quality of earnings, customer concentration, collateral and field exams.
• Use Hum's proprietary data and AI underwriting tools to validate borrower performance and accelerate analysis.

Skills

Financial analysis

Cash flow analysis

Covenant analysis

Excel modeling

Credit memo writing

Written communication

Education

Bachelor's degree in finance, accounting, economics or related field

MBA, CFA or progress toward either

Tools

Excel

AI underwriting tools

Job description

Hum Capital, Inc. seeks a Private Credit Underwriter to own each loan from term sheet to portfolio, turning diligence and financial analysis into decision-ready memos for the Investment Committee. Location options include New York City or Chicago, with on-site work.

The role emphasizes leadership, mentoring junior staff, and applying AI underwriting tools to validate borrower performance. Requires 5–10 years of underwriting experience and a track record of presenting to credit committees;