Job Description
Job DescriptionBenefits:
- 401(k)
- 401(k) matching
- Competitive salary
- Health insurance
Credit Analyst/Portfolio Manager (Banking / Advisor Lending)
Advisor Financing LLC
Location: Minneapolis/Chicago/Dallas (Hybrid) (or Remote for the right candidate)
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
Were 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 Youll 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 Were Looking For
- 25+ 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 dont stall because of missing itemsyour 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 candidates qualifications, skills, and experience.
How to Apply
Send resume + a brief note on your underwriting background.
Flexible work from home options available.