What are the responsibilities and job description for the Senior Credit Analyst – Private Credit position at Oliver James?
Job Title: Senior Credit Analyst – Private Credit
Position Summary
The Senior Credit Analyst will play a key role on the private credit investment team, with primary responsibility for evaluating, structuring, and monitoring middle-market private debt investments. This position demands strong credit judgment, advanced financial modeling capabilities, and the ability to independently assess risk across a range of capital structures. The role partners closely with Portfolio Managers throughout the investment lifecycle, from initial underwriting through exit. Experience with workouts or restructurings is advantageous.
Core Responsibilities
Position Summary
The Senior Credit Analyst will play a key role on the private credit investment team, with primary responsibility for evaluating, structuring, and monitoring middle-market private debt investments. This position demands strong credit judgment, advanced financial modeling capabilities, and the ability to independently assess risk across a range of capital structures. The role partners closely with Portfolio Managers throughout the investment lifecycle, from initial underwriting through exit. Experience with workouts or restructurings is advantageous.
Core Responsibilities
- Support the underwriting of new private credit transactions, including senior secured loans and select factoring opportunities
- Develop and maintain robust financial models incorporating cash flow forecasts, leverage and coverage metrics, downside scenarios, and return analysis
- Draft detailed investment memoranda and present analyses and recommendations to the Investment Committee
- Conduct in-depth assessments of borrower business models, industry trends, competitive landscapes, and management quality
- Review and analyze capital structures, credit documentation, covenant frameworks, collateral packages, and key legal terms
- Assist with transaction execution, coordinating with legal advisors, sponsors, and third-party consultants
- Oversee ongoing portfolio monitoring through periodic financial reviews, covenant testing, amendment analysis, and performance tracking
- Identify emerging credit concerns and proactively evaluate risk mitigation or remediation strategies
- Monitor private credit market conditions, pricing trends, and relevant comparable transactions
- Contribute to portfolio-level risk management, asset allocation considerations, and continuous process enhancements
- Bachelor’s degree in Finance, Accounting, Economics, Business, or a related discipline (required)
- MBA or other advanced degree preferred
- CFA designation or progress toward completion is a plus
- At least 5 years of applicable experience in private credit or closely related credit-oriented roles, such as:
- Direct lending or private credit funds
- Credit platforms within private equity firms
- Leveraged finance or credit teams at investment banks
- Commercial or corporate banking underwriting groups
- Proven background underwriting and managing middle-market private credit investments
- Extensive hands-on experience with financial modeling, including cash flow analysis and stress scenarios
- Working knowledge of private credit legal documentation and structures
- Strong foundation in credit analysis, risk evaluation, and complex capital structures
- Advanced financial statement analysis and modeling proficiency
- Clear and effective written and verbal communication skills, including presentation to investment committees
- Ability to operate independently while working collaboratively with senior investment professionals
- High level of attention to detail, sound judgment, and a disciplined approach to risk