Credit Analyst/Associate – Private Credit/Asset-Based Lending

Please closely read the job requirements before applying. Thanks!We're working with a growing non-bank lender looking to hire a Credit Analyst or Associate to join its underwriting team in Midtown Manhattan. The firm provides asset-based financing to middle-market businesses, with a particular focus on high-growth, sponsor-backed consumer brands across food & beverage, health & wellness, beauty, and related sectors. This is a hands-on role involving both new transaction underwriting and ongoing portfolio management, offering significant exposure to financial analysis, credit structuring, due diligence, and collateral monitoring.Responsibilities:Conduct detailed financial statement analysis and build financial models, including projections, cash flow forecasts, and sensitivity analyses.Support the underwriting of new credit facilities, including initial screening, due diligence, and preparation of credit approval memoranda.Analyze borrower financial performance, collateral, borrowing bases, and credit risk.Assist with ongoing portfolio monitoring, credit reviews, renewals, and covenant compliance.Prepare industry research, portfolio reviews, and recommendations for credit decisions.Requirements:2–4 years of experience in asset-based lending, private credit, commercial credit underwriting, leveraged finance, or investment banking. Candidates with 5–6 years of experience will also be considered at the Associate level.Excellent Excel and financial modeling skills, including a thorough understanding of the three financial statements and how they interact.Strong financial analysis skills, with the ability to evaluate borrower performance, repayment capacity, and credit risk.Familiarity with credit underwriting, financial due diligence, and transaction analysis.Preferred Qualifications:Experience with asset-based lending structures, including accounts receivable, inventory, borrowing bases, and collateral analysis.Experience at a non-bank lender, private credit fund, commercial finance company, or middle-market commercial bank.Exposure to sponsor-backed transactions or high-growth middle-market businesses.Experience analyzing consumer products businesses, particularly food & beverage, beauty, health & wellness, or related industries.If you're interested and meet the above qualifications, email Sean at sean.salamon@jcwgroup.com, attaching your resume. Thanks!