Credit Analyst – Asset-Based Lending

Job Description

Analyst – Asset Based Finance | Millennium

The Tone:
This is a full-time role at Millennium, a 9,015-person organization. This position is critical for the investment team, playing a key part in evaluating new opportunities and managing existing portfolios within asset-based finance. The role involves deep financial and cash flow modeling, contributing directly to sound investment decisions for a diverse range of asset-oriented facilities. This team member will be essential in navigating and assessing potential investments across various industries while maintaining high accountability in a focused credit environment.

The TL;DR
• Role: Early Career
• Team: Investment team members
• Mission: To evaluate new asset-based finance opportunities, perform detailed collateral modeling, support internal documentation, and contribute to the ongoing management and performance tracking of existing investments in a disciplined credit environment.

What You’ll Actually Do
• Opportunity Evaluation: Evaluate new opportunities for asset-based finance, asset-based lending, and corporate lending transactions by working directly with the Portfolio Manager, assessing their strategic fit and potential viability for the firm’s portfolio.
• Financial Modeling: Perform comprehensive financial and cash flow modeling of collateral from a broad spectrum of industries, meticulously determining suitability for asset-oriented facilities and understanding underlying risk factors.
• Documentation & Analysis: Prepare detailed internal documentation, including pre-screens and final approval reports, to rigorously evaluate new opportunities, and simultaneously create sophisticated models for internal deal analysis and tracking.
• Investment & Portfolio Support: Support investment team members by systematically gathering crucial data on potential investment opportunities, developing clear, actionable recommendations, and actively monitoring existing portfolio performance metrics and market trends for team review.
• Model Enhancement & Deal Execution: Collaborate with team members to continuously develop and enhance investment cash flow models that support scenario analysis and return objectives across a diverse and evolving set of asset classes, while also supporting due diligence processes by collecting and organizing relevant information, and assisting with deal execution and post-closing workstreams.

The Must-Haves
• Background: Others. Possess core domain knowledge in corporate credit, asset based lending, or asset based finance, complemented by a strong familiarity with specific sector risks and nuances across broad industries.
• Experience: A minimum of 3+ years of direct, hands-on experience in corporate credit, asset based lending, or asset based finance environments is required.
• Skills: Demonstrated proficiency in Cash Flow modeling, Financial modeling, Analytical Thinking, Attention to Detail, Portfolio Management, and Prioritization.