Senior Associate, Credit

American Operator • Austin, TX

5d • Onsite

About The Position

American Operator is looking for a Senior Associate to lead credit underwriting and portfolio monitoring for small-business acquisitions. In this role, you will play a key part in advancing our mission to revive the American Dream by acquiring and growing strong small businesses alongside talented operators and mission-driven investors. Approximately 70% of your time will be spent underwriting new acquisitions, with the remaining 30% dedicated to monitoring the performance of our growing portfolio. This role will be based at our Austin, TX office and will report to the CEO.

Requirements

• Bachelor’s degree required, preferably with a major in finance, accounting, economics or related financial discipline
• 8+ years of industry experience, with at least 4 spent in a credit investing role at a bank or non-bank lender
• Experience structuring and evaluating investments across credit and structured equity
• Strong Excel modeling and written skills

Nice To Haves

• Experience in a direct lending capacity to lower middle market sponsors.

Responsibilities

• Work closely with the Acquisitions team on assessment of new opportunities
• Run point on credit underwriting, working in close collaboration with our acquisitions and investments team to complete due diligence
• Lead the preparation and presentation of credit memorandums to Mainshares’ Credit Committee
• Monitor asset performance on a monthly basis, reviewing covenant compliance, meeting with the relevant owner success manager(s), and keeping our reporting & loan tape current
• Perform quarterly portfolio reviews including analyzing historical and projected performance, risk assessments, and covenant compliance calculations
• Partner with senior leadership on capital allocation and deployment pace

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level