Credit Analysis, AI Validation Specialist

Role Overview

• Review and validate AI-generated credit analysis outputs against underlying debt documentation
• Identify inaccuracies, inconsistencies, missing context, or overlooked risks in AI-generated conclusions
• Ensure analytical outputs are complete, accurate, and commercially relevant
• Continuously improve the quality and reliability of AI-assisted review workflows
• Analyze senior secured credit agreements, bond indentures, loan facilities, and related debt documentation
• Interpret covenant structures, lender protections, borrower restrictions, and capital stack implications
• Identify loopholes, liquidity concerns, covenant risks, and restructuring vulnerabilities
• Synthesize complex legal-financial language into concise, actionable summaries
• Review financial statements including 10-Ks, 10-Qs, balance sheets, income statements, cash flow statements, and P&Ls
• Assess borrower financial health in relation to debt obligations and covenant compliance
• Evaluate distressed companies across sectors such as healthcare, software, and technology
• Analyze liquidity pressures, restructuring implications, and broader credit risk indicators
• Support distressed company research and target sourcing initiatives using public filings and market information
• Review SEC EDGAR filings and related documentation to support analytical workflows
• Assist in building scalable research and analysis processes
• Operate independently in a fast-paced startup environment with strong ownership and accountability
• Prepare concise, high-signal summaries for founder and leadership review
• Clearly communicate covenant concerns, documentation inconsistencies, restructuring risks, and AI validation findings
• Surface issues proactively and support decision-making with structured analytical insights

Requirements

• 3–6 years of experience in leveraged finance, restructuring, private credit, corporate credit analysis, or related analytical environments. Experience in fast-moving or high-accountability environments is strongly preferred.
• Strong understanding of senior secured credit agreements, bond indentures, loan facilities, covenant structures, and capital stack implications. Comfortable interpreting complex debt documentation independently.
• Strong financial statement analysis skills, including experience reviewing balance sheets, income statements, cash flow statements, and broader borrower financial health indicators.
• Familiarity with distressed company analysis, liquidity risk assessment, restructuring implications, covenant risk evaluation, and credit deterioration signals.
• Comfort working alongside AI-assisted analysis systems, including validating machine-generated outputs, identifying inconsistencies, and improving analytical reliability through human judgment.
• Strong ability to synthesize large volumes of financial and legal information into concise, actionable insights. Highly detail-oriented with excellent analytical reasoning capability.
• Strong written communication skills with the ability to communicate complex findings clearly and operate independently with minimal oversight in startup environments.
• Familiarity with DCF models, LBO frameworks, distressed debt analysis, or related credit modeling concepts is strongly preferred.