Underwriting & Lending Associate

Responsibilities

• Assess new transactions and provide independent recommendations regarding credit quality, ratings, and risk appetite
• Prepare pitches, term sheets, and review borrowing base calculations in Excel
• Partner with senior team members in Originations, Structuring, Legal, and Risk on transaction structuring and documentation
• Lead or support the preparation of investment memoranda and presentations to Risk and Investment Committees
• Review and negotiate term sheets and legal documentation including advance rates, eligibility criteria, and covenants
• Monitor existing transactions, including servicer reporting, borrowing base performance, and covenant compliance
• Prepare annual credit reviews evaluating performance against underwriting
• Maintain client relationships and proactively address transaction requirements
• Negotiate, structure, and execute amendments and other facility modifications

Requirements

• Bachelor's degree in Finance, Economics, Accounting, Management, Engineering, or a related field
• Minimum of 3 years of relevant experience in securitized products, asset-backed finance, structured credit, private credit, warehouse lending, or specialty finance
• Strong financial analysis and credit underwriting skills
• Deep understanding of asset-backed lending structures, borrowing base mechanics, and waterfalls
• Advanced proficiency in Microsoft Excel, Word, and PowerPoint
• Strong understanding of legal documentation and credit agreements
• Familiarity with the usage of AI in day-to-day workflow

Preferred Qualifications

• FINRA certifications

About the Company

ATLAS SP Partners is a global investment firm providing stable funding, financing, advisory and institutional products to market participants seeking innovative and bespoke structured credit and asset-backed solutions.