Financial Analyst (Financial Modeling – Credit & Risk)

Bullpen Talent

19h • Remote

About The Position

We are a recruiting firm partnering with a U.S.-based software company to hire a Financial Analyst with strong financial modeling experience focused on credit, risk, and underwriting. This is a hands-on modeling role. You will be building and analyzing financial models used to evaluate credit risk, downside scenarios, and lending decisions. Your work will contribute to training advanced AI systems to understand how experienced finance professionals assess risk, structure loans, and make underwriting decisions.

Requirements

• 2–8 years of experience in: Credit / Lending / Underwriting, Commercial Banking, Structured Finance, Asset-Based Lending
• Proven ability to build credit or underwriting models from scratch
• Strong understanding of: Cash flow analysis and debt servicing capacity, Coverage ratios (DSCR, interest coverage, etc.), Loan structures and risk frameworks
• Advanced Excel / Google Sheets modeling skills
• High attention to detail and analytical rigor
• Experience working with U.S. GAAP
• Fluent English (written and spoken)

Responsibilities

• Build and analyze credit and underwriting models from scratch
• Evaluate cash flow coverage, debt capacity, and downside risk scenarios
• Model loan structures, repayment schedules, and covenant scenarios
• Analyze borrower financials and assess creditworthiness
• Perform sensitivity and stress testing (e.g., revenue declines, cost increases, rate changes)
• Clearly explain risk drivers, assumptions, and decision logic

What This Job Offers

• Job Type: Part-time
• Career Level: Mid Level
• Education Level: No Education Listed