Credit Analyst

Dwight Funding is a leading working capital partner built for early and growth stage businesses in eCommerce, Food & Beverage, General CPG. We’ve created a modern lending platform for today’s leading growth stage companies built on a foundation of relationships, data, and technology. Our company is made up of entrepreneurs, ex-bankers, and passionate people who are committed to modernizing the way growth stage businesses access capital.

About the Role

We're looking for a diligent, detail-oriented, and motivated Credit Analyst to join our growing team. The role is responsible for supporting the underwriting and portfolio management teams to maintain underwriting and operational excellence across the portfolio. The ideal candidate is excited to dig into the books of high growth companies, monitor and develop credit procedures and contribute to a vibrant startup ecosystem.

Duties and Responsibilities

• Support the underwriting team with screening new opportunities, renewals and reviews
• Prepare industry research and analysis, financial modeling and analysis, and performance-related information
• Work collaboratively with underwriting and portfolio management teams to monitor and assess client financials and collateral
• Assist in preparation of portfolio reviews
• Build out and update financial models for clients
• Assist in building out underwriting and due diligence processes

Qualifications and Experience

• 2 to 5 years of asset-based lending, private credit, or investment banking experience
• High proficiency with Excel and financial modeling
• Demonstrated competency in financial statement analysis; you have a deep understanding of the interrelationship of the balance sheet, income statement, and statement of cash flow
• You have a high level of analytical ability to determine loan risk and recommend credit limitations
• Deep familiarity with due diligence and underwriting processes
• You are an excellent communicator, exhibiting a high level of comfort and confidence when engaging with external management teams

The Perks

Aside from the basics (medical, dental, HSA, 401k, PTO, etc.), Dwight also has a number of perks such as:

• Flexible hybrid work model
• In-office gym
• Weekly lunch deliveries
• 1-month paid sabbatical after 5 years of service.
• A twice-monthly chiropractor
• In-office haircuts
• Commuting stipend