Credit Analyst

Benefits:

• 401(k)
• 401(k) matching
• Competitive salary
• Health insurance
  
  
  

Credit Analyst/Portfolio Manager (Banking / Advisor Lending)

Advisor Financing LLC

Location: Minneapolis, MN (Remote)

Type: Full-time

Reports to: Head of Credit

Start Date: As soon as possible

About Advisor Financing LLC

Advisor Financing LLC works with independent financial advisors and RIAs (Registered Investment Advisors) to structure and place acquisition financing, succession buy-ins, and refinances through a network of bank lenders and private credit. We sit at the intersection of relationship management, underwriting, and deal execution -helping clients navigate entity structures, lender requirements, and timelines to close efficiently.

The Role

We’re hiring a Credit Analyst to support end-to-end deal execution: collecting and analyzing borrower/practice financials, building cash flow and debt service models, preparing lender-ready credit packages, and helping drive underwriting to closing. This role is ideal for someone who wants real transaction reps and exposure to deal structuring in a fast-moving environment.

What You’ll Do

• Underwriting & analysis
• Analyze borrower and practice financials (tax returns, P&Ls, balance sheets, personal financial statements, revenue/assets under management reports)
• Prepare Excel historical and pro forma models for both business and global debt coverage calculations (DSCR/FCCR), primarily for book of business acquisitions and internal ownership changes
• Evaluate key credit drivers: revenue stability, client concentration, retention/transition risk, margins, liquidity, leverage, and contingent liabilities
• Credit packaging
• Prepare lender-ready deliverables: credit memo/summary, sources & uses, cash flow calculations, and supporting exhibits
• Draft clean narrative write-ups explaining the deal, risks, mitigants, and structure (including ownership structure, debt structure, partner buy-ins, LOCs)
• Process & execution
• Coordinate document collection with clients and internal team; track outstanding items and follow up with urgency
• Support lender Q&A during underwriting; organize responses and keep packages current
• Assist with closing logistics: conditions, updated financials, insurance, entity docs, and post-close tracking
  
  
  

What We’re Looking For

• 2–5+ years in credit analysis, commercial banking, underwriting, private credit, or leveraged finance
• Strong working knowledge of:
• Cash flow lending concepts (DSCR, leverage, liquidity, debt schedules)
• Financial statements and U.S. tax returns (personal + business)
• Strong writing and communication (ability to simplify complexity)
• Highly organized; thrives in a pipeline environment with multiple deals at once
• Bonus: familiarity with RIA/wealth management economics (AUM/revenue mix, payout grids, transition dynamics, valuation multiples)
  
  
  

Success Looks Like

• You produce accurate models and memos with minimal revisions
• Lenders receive clean, complete packages that move quickly through underwriting
• Deals don’t stall because of missing items—your follow-up cadence is consistent and professional
• You proactively flag risks and propose structure/mitigants
  
  
  

Compensation & Benefits

The anticipated salary range for this position is $70,000–$135,000, with eligibility for an annual performance-based bonus. Final compensation will be determined based on a candidate’s qualifications, skills, and experience.

How To Apply

Send resume + a brief note on your underwriting background.

This is a remote position.