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Job description
This range is provided by TalentSource360. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range
$100,000.00/yr - $120,000.00/yr
Additional compensation types
Annual Bonus
Hybrid Schedule (3x/week in Reston, VA)
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.
Seniority level
Associate
Employment type
Full-time
Job function
Finance and Accounting/Auditing
Industries
Financial Services, Investment Management, and Investment Banking
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Worksite address
baltimore, MD, 21276, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.