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Jean Martin - Private Credit Analyst - JMI.Ai

Jean Martin IncChennai, India

30+ days ago

Job description

Role : Private Credit Analyst

Location : Industry Standards

Position Summary :

As a Private Credit Analyst, you will play a key role in underwriting, and ongoing management of private credit investments analysis. You will perform in-depth financial analyses, prepare thorough credit memoranda, and monitor portfolio companies to help drive well-informed investment decisions and safeguard portfolio performance.

Underwriting & Due Diligence

Build detailed financial models (income statement, balance sheet, cash flow) for middle market and lower middle market borrowers.
Spread historical and projected financials and stress test assumptions.
Conduct qualitative and quantitative due diligence (industry mapping, management interviews, customer calls, ESG screens).

Credit Memo Preparation

Draft clear, data-driven investment memoranda outlining company background, industry dynamics, capital structure, covenant package, risks & mitigants, and return profile.

Present recommendations to Investment Committee and respond to follow-up questions.

Portfolio Monitoring

Track borrower performance versus budget, covenant compliance, liquidity, and leverage metrics on a monthly / quarterly basis.

Identify early warning signals and craft action plans in partnership with portfolio managers.

Maintain internal ratings, exposure limits, and watch lists.

Market & Sector Research

Analyse macro trends (rates, credit spreads, M&A flows) and sector-specific drivers affecting portfolio companies.

Provide thematic research for pipeline sourcing and strategy reviews.

Risk Assessment & Reporting

Run scenario analyses and sensitivity tests to gauge downside risk.

Support valuation marks and quarterly fair value reporting under ASC 820 / IFRS 13.

Collaborate with risk, legal, and operations teams to ensure documentation and compliance.

Cross Functional Collaboration

Partner with originators, legal counsel, and operations during deal execution.

Liaise with third-party consultants (accounting, tax, insurance, environmental) as needed.

Eligibility Criteria

Education : Bachelor's degree in finance, Accounting, Economics, or a related field. CFA / CPA candidacy a plus.

MBA or CFA designation is a plus

Experience : 2 - 4 years in credit analysis, leveraged finance, investment banking, or corporate banking (private credit or direct lending strongly preferred).

Skills & Competencies

Technical Skills :

Advanced Excel & financial modelling (3 statement, DCF, LBO, capital structure modelling)

Proficiency with Bloomberg, Capital IQ, Pitchbook, or similar data platforms

Solid grasp of accounting principles, debt documentation, covenants, and cash flow lending metrics (EBITDA adjustments, leverage ratios, fixed charge coverage)

Analytical Rigor : Ability to synthesize complex data sets and distill actionable insights quickly

Communication : Excellent written and verbal skills; proven track record authoring investment or credit memos

Collaboration : Comfortable working in small, lean deal teams and interfacing directly with senior leadership, borrowers, and advisors

Additional Strengths :

Financial analysis, risk assessment, and valuation skills

Excellent research, report writing, and communication skills

Experience in monitoring portfolio performance and market trends

Ability to work independently and as part of a team

(ref : iimjobs.com)

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Credit Analyst • Chennai, India

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