Credit Associate - Food & Beverage

Role : Support the underwriting and management of cash-flow and asset-based loans ≥$25.0 million for the national Food & Beverage (“F&B”) platform across the sponsor and strategic channels. Target Borrower profiles, both private and public, have EBITDA >$10.0 million and Revenue >$200.0 million. Structures typically include revolvers, term loans, delayed draw term loans, and CAPEX lines across multiple product lines. Transaction types typically include leveraged buyouts, management buyouts, refinances, growth capital, recapitalizations, add-on acquisitions, etc..

Underwriting : Support due diligence efforts as Agent or Participant for Borrowers across the F&B value chain (i.e. manufacturers, processors distributors, grocers, etc.). Core competencies include historical and projected financial statement analysis, dynamic 3-statement financial modeling, and credit memorandum preparation.

Portfolio Monitoring : Support the management of a portfolio of Borrowers across multiple F&B subsectors with various structures, roles, commitments and risk ratings. Perform monthly/quarterly and annual reviews covering financial performance, risk ratings, capacity to repay, covenants, etc. Evaluate credit requests to assess creditworthiness and prepare corresponding approval memorandums, as applicable.

Data Analysis : Analyzes credit data, market and industry reports, trendcards, and prepare credit presentations to support underwriting and portfolio management.

Risk Management : Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.

Collaboration : Works closely with team members to ensure cohesive and effective credit operations. Participate in ad-hoc projects to support the organization’s priorities.

Learning and Development : Demonstrates a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development, eventually leading to ownership of a portfolio of credits.

Bachelor's Degree or equivalent in Finance, Business, or related field

Minimum 2 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries

Intermediate experience in credit management and lending operations, with a strong understanding of risk management principles

Desire to build leadership and coaching skills, with the ability to train and develop talent

Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams

Intermediate analytical skills, with the ability to interpret complex data and make informed decisions

Industry-specific knowledge and expertise

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date

Generous 401(k) company matching contribution

Career Development through Tuition Reimbursement and other internal upskilling and training resources

Valued Time Away benefits including vacation, sick and volunteer time

Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs

Career Mobility support from a dedicated recruitment team

Colleague Resource Groups to support networking and community engagement