Senior Credit Analyst

Senior Credit Risk Analyst – Investment Due Diligence

Hybrid Schedule (3x/week in Reston, VA)

Comp: 100,000-120,000 bonus potential

Additional incentive tied to growth

We are seeking a highly skilled Senior Credit Risk Analyst to lead credit and financial risk assessments for investment allocations into early-stage and emerging growth companies. This role is central to the investment decision-making process and requires a strong analytical mindset, deep understanding of startup financial dynamics, and the ability to synthesize complex data into actionable risk insights.

The ideal candidate brings experience evaluating high-growth, often pre-profit companies, with the ability to balance quantitative rigor and thoughtful qualitative judgment.

Key Responsibilities

• Lead comprehensive credit due diligence on early-stage companies under consideration for investment.
• Evaluate financial health, liquidity, capital structure, cash burn, revenue model scalability, and funding runway.
• Analyze historical and projected financial statements, including stress-testing and scenario modeling.
• Assess founders' and management teams’ capabilities, corporate governance, and operational risk factors.
• Conduct industry, competitive, and macroeconomic analysis to contextualize credit risk exposure.
• Partner closely with the investment team to inform portfolio allocation decisions.
• Develop credit scoring frameworks and internal risk ratings tailored to early-stage company profiles.
• Recommend investment structures, covenants, and protective terms that align with risk appetite.
• Identify key risk drivers and provide clear mitigation strategies.
• Monitor ongoing credit performance of portfolio companies, including quarterly reviews, covenant compliance, liquidity tracking, and material events.
• Flag deteriorating credit indicators and support escalation and remediation strategies.
• Update risk ratings and forecasts as new information becomes available.
• Prepare high-quality credit memos, executive summaries, and investment committee presentations.
• Communicate complex analyses to stakeholders in a clear, concise, and business-relevant manner.
• Maintain detailed documentation for audit and compliance purposes.

Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, or related field
• MBA or CFA candidate preferred.
• 5 years of credit risk, investment analysis, or financial due diligence experience, preferably within venture debt, early-stage lending, growth equity, or technology finance.
• Strong financial modeling skills, including 3-statement forecasting, scenario analysis, and sensitivity testing.
• Deep understanding of early-stage company economics, unit economics, SaaS metrics (if applicable), and startup funding structures.
• Ability to balance quantitative rigor with qualitative judgment when facing limited or imperfect data.
• Excellent written and verbal communication skills, including experience presenting to senior leadership or investment committees.
• Proven ability to work independently, manage multiple priorities, and make sound recommendations under tight timelines.