Credit Investment Analyst

Job Title: Credit Investment Analyst

Job Type: Contractor

Location: Remote

Job Summary: In this role, you'll apply your expertise to help train next-generation AI systems. Your work will shape how models learn, reason, and perform through high-quality, real-world input. No prior experience in AI is required — your domain knowledge is what matters.

Key Responsibilities:

1. Leverage deep knowledge of credit and debt investing to evaluate and analyze a broad range of credit instruments, including high yield bonds, leveraged loans, and structured credit products.
2. Conduct thorough underwriting and due diligence reviews, assessing capital structures, covenants, and liquidity profiles to inform robust investment recommendations.
3. Develop and refine cash flow, 3-statement, LBO, and downside/stress-case models to assess default risk, recovery analysis, sponsor quality, and refinancing risks.
4. Analyze spreads, yields, and relative value opportunities across public and private credit markets to optimize risk-adjusted returns in portfolio construction.
5. Review complex legal documentation, focusing on covenant packages and protections for various credit structures.
6. Collaborate with the customer’s team to deliver incisive, well-articulated written and verbal insights that drive investment decision-making.
7. Maintain up-to-date industry knowledge, monitoring market dynamics, industry cyclicality, and emerging risks to inform ongoing portfolio management.

Required Skills and Qualifications:

1. 2–6 years of experience in credit investing, underwriting, leveraged finance, or a related field, with direct transaction and investment recommendation exposure.
2. Expertise in analyzing cash flow statements, debt structures, covenants, and liquidity profiles for leveraged and private credit investments.
3. Advanced financial modeling capabilities, including 3-statement, LBO, downside, and stress-case scenarios.
4. Solid understanding of default risk, recovery analysis, refinancing risk, and sponsor evaluation.
5. Demonstrated ability to assess spreads, yields, relative value, and risk-adjusted returns within a portfolio construction context.
6. Outstanding written and verbal communication skills, with a commitment to clarity and precision in complex analyses.
7. Strong attention to detail and critical thinking in structured and public credit transactions, including CLOs.

Preferred Qualifications:

1. Top performers from investment banking (LevFin, FIG, M&A), private credit or credit hedge funds, rating agencies, or restructuring advisory backgrounds.
2. Significant experience with direct underwriting and investment recommendation processes.
3. Commercial banking professionals with advanced modeling and credit structuring exposure are also encouraged to apply.

Required Skills

• debt/credit investing
• underwriting
• leveraged financing
• private credit
• cash flow analysis
• covenant review
• capital structure
• CLOs
• structured credit
• public credit investing
• cash flow statements
• debt structures
• liquidity profiles
• covenants
• 3-statement models
• lbo
• downside/stress-case models
• default risk
• recovery analysis
• refinancing risk
• sponsor quality
• industry cyclicality
• spreads/yields
• relative value
• risk-adjusted returns
• portfolio construction
• high yield bonds
• leveraged loans