Who We Are: We are on a mission to provide innovative working capital solutions to small and medium size businesses throughout the United States, Canada, and the United Kingdom. A steady cash flow can change the course o…
About Us: At eCapital, we are on a mission to ignite growth and empower businesses across North America and the U.K. by accelerating their access to capital. Our expertise and forward-thinking technology create customize…
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Full-time
bachelor degree
Annual Bonus, PTO, Health Insurance, Dental Insurance, Life Insurance, 401K Matching
Posted 15d ago
Apply by Oct 11
~40 hrs/week
Responsibilities
The Credit Analyst assesses the financial health and risk of middle-market clients by building financial models and analyzing statements. They are responsible for proposing funding solutions and negotiating closing documentation to support credit decisions.
Requirements
Candidates should have a bachelor's degree in Finance, Accounting, or Business and at least 3 years of experience in financial analysis for investment decision-making. Proficiency in Microsoft Office and the ability to learn Tableau are required.
Full job description
Who We Are: We are on a mission to provide innovative working capital solutions to small and medium size businesses throughout the United States, Canada, and the United Kingdom. A steady cash flow can change the course of a business and help a company define its future, promote growth, and impact the bottom line! As a leading provider of innovative funding solutions for small to medium sized businesses, we are one of the fastest growing companies in the industry. Through our Commercial Finance, Freight Factoring and ABL divisions, eCapital offers capital solutions to 80+ industries. We truly love to help our clients grow and this is a position where you can grow too!
Summary: As a Credit Analyst, you assess the financial health and risk of clients by analyzing financial statements, building models, and supporting funding decisions. You collaborate with internal and external partners, leverage data to inform recommendations, and assist with closing documentation to support timely, well-informed credit decisions.
You will be working on the Commercial Finance portfolio.
Responsibilities:
Analyze financial statements of sub-investment grade and unrated companies, with an emphasis on the unrated middle market, and form an investment thesis.
Build financial models to support investment thesis.
Propose funding solutions, and facilitate/execute decision-making.
Leverage data and analytical tools to bring quantitative rigor to the funding and decision-making process.
Effectively communicate with external and internal constituents, with a keen focus on problem solving.
Issue and negotiate closing documentation (contracts, guaranties, subordinations, etc.).
Other duties as assigned by direct, department, or division leadership.
Qualifications:
Bachelor’s degree or equivalent experience required, preferably in Finance, Accounting or Business.
3+ years in a financial analysis role focused on investment decision-making and analytics; experience in high yield credit, equity, or private equity investing is ideal.
Experience in supporting and making decisions that will impact go/no-go within various business transactions.
Working knowledge of Microsoft Office: Excel, Word, Outlook, Google Docs and the ability to learn Tableau.
Excellent verbal and written communication skills.
Problem solving abilities, delivering solutions-driven work, and providing impactful results.
Resourceful, self-starter, independent thinker.
Team player, collaborative, responsive.
Detail-oriented.
We Bring:
$65,000 Annually
Annual Bonus
PTO
Health, Dental, and Life Benefits
401K Matching
Abundant professional development opportunities at a growing and thriving alternative Finance company!
eCapital Culture: At eCapital, we're not just a funding provider—we're a strategic partner built for what's next. Our culture is defined by innovation, scalability, and personalized service. We value:
Agility: We adapt quickly to changing market conditions and customer needs.
Relationships: We put our clients' needs at the center of everything we do, and we believe the best results come from diverse teams working together.
Accountability: We hold ourselves to the highest standards in all aspects of our work.
Innovation: We constantly push boundaries to create better solutions for our clients.
We offer a dynamic work environment where you'll have the opportunity to make a significant impact on our business and the SMBs we serve. Join us in revolutionizing how businesses access and manage capital in the digital age.
eCapital values diverse experiences and backgrounds. We encourage all qualified candidates to apply, regardless of race, color, religion, gender, sexual orientation, national origin, genetics, disability, age, or veteran status.
AI Statement eCapital uses AI-enabled tools within our applicant tracking system to support resume screening by comparing qualifications to job requirements. Final hiring decisions and resume reviews are always conducted by our recruiters.
An AI-powered fintech company transforming how businesses access and manage working capital.
Industry
Financial Services
Company size
501-1,000 employees
Founded
2006
Headquarters
Miami, Florida
LinkedIn followers
34,751
Total funding
$1.8B
eCapital Corp. is an AI-powered fintech company transforming how businesses access and manage working capital. The company serves businesses across the United States, Canada, and the United Kingdom through a broad range of financing solutions, including asset-based lending, receivables finance, payroll funding, supply chain finance, and other customized financing products.
Through its proprietary platform, eCapital combines data, decisioning, funding, and servicing to deliver faster, more flexible financing solutions across the business lifecycle. Since its inception, eCapital has funded more than 44,000 clients and delivered over $144 billion in capital across 80+ industries. eCapital is building the next generation of specialty finance, one that is more intelligent, connected, and responsive to the needs of modern business. To learn more, please visit ecapital.com.
Offices: 20807 Biscayne Blvd, Suite 203, Miami, Florida 33180, US · 5928 Pascal Ct, 200, Carlsbad, California 92008, US · 555 Marriott Dr, Suite 240, Nashville, Tennessee 37214, US · 174 West Street South, 2nd Floor, Orillia, ON L3V 6L4, CA · 360 Interstate North Pkwy SE, Suite 630, Atlanta, Georgia 30339, US
An AI-powered fintech company transforming how businesses access and manage working capital.
Industry
Financial Services
Company size
501-1,000 employees
Founded
2006
Headquarters
Miami, Florida
LinkedIn followers
34,751
Total funding
$1.8B
eCapital Corp. is an AI-powered fintech company transforming how businesses access and manage working capital. The company serves businesses across the United States, Canada, and the United Kingdom through a broad range of financing solutions, including asset-based lending, receivables finance, payroll funding, supply chain finance, and other customized financing products.
Through its proprietary platform, eCapital combines data, decisioning, funding, and servicing to deliver faster, more flexible financing solutions across the business lifecycle. Since its inception, eCapital has funded more than 44,000 clients and delivered over $144 billion in capital across 80+ industries. eCapital is building the next generation of specialty finance, one that is more intelligent, connected, and responsive to the needs of modern business. To learn more, please visit ecapital.com.
Offices: 20807 Biscayne Blvd, Suite 203, Miami, Florida 33180, US · 5928 Pascal Ct, 200, Carlsbad, California 92008, US · 555 Marriott Dr, Suite 240, Nashville, Tennessee 37214, US · 174 West Street South, 2nd Floor, Orillia, ON L3V 6L4, CA · 360 Interstate North Pkwy SE, Suite 630, Atlanta, Georgia 30339, US