Enhanced Middle Market Credit Analyst
Apply locations: Atlanta, GA
Time type: Full time
Posted on: Posted 22 Days Ago
Job requisition id: JR0028793
Together we fight for everyone’s opportunity for a better financial future.
We will do this together — with customers, partners and colleagues. We will fight for others, not against: We will stand up for and champion everyone’s access to opportunities. The status quo is not good enough … we believe every individual and every community deserves access to financial opportunities. We are determined to support both individuals and communities in reaching a better financial future. We know that reaching this future depends on our actions today.
Like our Purpose Statement, Voya believes in being bold and committed to action. We are committed to a work environment where the differences that we are born with — and those we acquire throughout our lives — are understood, valued and intentionally pursued. We believe that our employees own our culture and have a responsibility to foster an environment where we all feel comfortable bringing our whole selves to work. Purposefully bringing our differences together to positively influence our culture, serve our clients and enrich our communities is essential to our vision.
Are you ready to join a company with a strong purpose and a winning culture? Start your Voyage – Apply Now
Get to Know the Opportunity
You will provide investment analysis supporting new investment in private below investment grade opportunities and restructuring activities on existing portfolio.
Please Note: This position has been designated as a hybrid role in our Atlanta, GA office. Details of your in-office schedule will be finalized with your manager.
The Contributions You’ll Make:
New Investment
- Work as part of a deal team to compile and evaluate information to underwrite credit/investment characteristics of potential direct, syndicated and secondary corporate credit transactions in the Middle Market, Private Placement Market, Project Finance and Special Situations.
- Perform due diligence through conversations with company management, on-site visits of company’s facilities and customer/supplier/vendor calls.
- Develop/Analyze deal term sheets/proposals and evaluate merits of investments on relative value basis.
- Present conclusions and recommendations regarding investment decisions.
- Follow developments in the capital markets including public high-yield market, senior bank loan market and investment grade market to ensure relative value.
Documents, Monitoring and Closing
- Assist in preparation of Investment Committee memo for investment approval.
- Organize and maintain files of assigned credits.
- Maintain communication with borrowers in order to monitor performance and compliance with loan covenants.
- Engage with internal pricing and compliance teams to value and price securities accurately and ensure compliance.
- Assist in reporting and communication with internal and external clients.
- Assist with other ad-hoc administrative duties related to the portfolio and marketing of the program.
Restructuring
- Support team in negotiations with borrowers, lenders and other investors during restructuring discussions.
- Prepare, compare and contrast recovery rates in distressed assets using fundamental analysis, comp analysis and liquidation analysis of borrowers.
- Interact with financial advisors and legal advisors to supplement financial analysis.
- Conduct and present industry research, analyze borrower’s competitive position in the marketplace and analyze company’s future prospects in that context.
- Assist in preparation of credit memoranda for presentation to internal committees.
Minimum Knowledge & Experience:
- Bachelor’s degree in Finance or related field.
- Interest in pursuing CFA designation.
- 2 years of experience in credit analysis with desire to pursue a credit analysis career track.
- Good understanding of financial statements, capital structures and accounting concepts.
- Ability to learn quickly and perform a variety of different functions.
- Excellent written and verbal communication skills.
- Strong Excel modeling skills.
- Strong work ethic and ability to perform well in a collaborative, team focused environment.
Compensation Pay Disclosure:
Voya is committed to pay that’s fair and equitable, which means comparable pay for comparable roles and responsibilities.
The below annual base salary range reflects the expected hiring range(s) for this position in the location(s) listed. In addition to base salary, Voya offers incentive opportunities (i.e., annual cash incentives, sales incentives, and/or long-term incentives) based on the role to reward the achievement of annual performance objectives. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Voya Financial is willing to pay at the time of this posting.
Actual compensation offered may vary from the posted salary range based upon the candidate’s geographic location, work experience, education, licensure requirements and/or skill level and will be finalized at the time of offer. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
$90,000 - $100,000 USD
What We Offer
- Health, dental, vision and life insurance plans
- 401(k) Savings plan – with generous company matching contributions (up to 6%)
- Voya Retirement Plan – employer paid cash balance retirement plan (4%)
- Tuition reimbursement up to $5,250/year
- Paid time off – including 20 days paid time off, nine paid company holidays and a flexible Diversity Celebration Day.
- Paid volunteer time — 40 hours per calendar year
Equal Employment Opportunity
Voya Financial is an equal-opportunity employer. Voya Financial provides equal opportunity to qualified individuals regardless of race, color, sex, national origin, citizenship status, religion, age, disability, veteran status, creed, marital status, sexual orientation, gender identity, genetic information, or any other status protected by state or local law.
Reasonable Accommodations
Voya is committed to the inclusion of all qualified individuals. As part of this commitment, Voya will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please reference resources for applicants with disabilities.
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