Senior Associate, Asset-Backed Finance, Capital Markets

Pitney Bowes

. Support underwriting, structuring, closing, and ongoing management of asset-backed credit facilities for institutional borrowers .

Posted 11/5/2026full-timeRemote • United StatesSenior💰 $115,000 - $125,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in evaluating and structuring asset-backed credit facilities, with strong capabilities in financial statement analysis, cash-flow modeling, and credit underwriting. Proficient in managing multiple transactions while ensuring compliance with credit standards and risk appetite.

Highest-signal resume keywords

Financial Statement AnalysisCash-Flow ModelingCredit UnderwritingRisk AssessmentMicrosoft Excel Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Asset-Backed LendingStructured CreditLeveraged FinanceCollateral Quality AnalysisTransaction ModelingStress TestingCredit Memoranda PreparationCovenant TestingBorrowing-Base ReviewsCredit Risk Assessment

Soft Skills

Excellent Communication SkillsStrong OrganizationAttention to DetailSound JudgmentAbility to Manage Deadlines

Industry Keywords

Specialty FinanceCommercial BankingPrivate CreditBDC FinancingSPV FacilitiesNAV FacilitiesCollateral SurveillanceFinancial CovenantsCredit Committee PresentationRelationship Management

About the role

Key responsibilities & impact

Support underwriting, structuring, closing, and ongoing management of asset-backed credit facilities for institutional borrowers
Evaluate financing opportunities secured by fund interests, subscription commitments, investment portfolios, special purpose vehicles, business development companies, and middle-market loan assets
Evaluate specialty lending opportunities from initial screening through approval and closing
Analyze borrower and sponsor strength, collateral quality, cash flows, leverage, liquidity, repayment sources, and structural protections
Build and maintain transaction models incorporating borrowing-base mechanics, advance rates, eligibility criteria, concentration limits, coverage tests, covenants, and bank return metrics
Perform base, downside, and severe-downside stress tests
Recommend transaction structures and risk mitigants consistent with credit standards and risk appetite
Prepare credit memoranda and present transactions to credit committee
Lead financial and collateral diligence and validate source data and model assumptions
Partner with counsel to review credit agreements, security documents, amendments, and closing deliverables
Coordinate stakeholders, clients, and counsel to complete closing conditions and support timely funding
Monitor relationships through covenant testing, borrowing-base reviews, collateral surveillance, risk-rating assessments, and periodic credit reviews
Evaluate amendments, waivers, extensions, and incremental financing requests
Track market and portfolio developments affecting collateral values, liquidity, or repayment prospects
Maintain accurate credit files, models, approval records, and monitoring reports

Requirements

What you’ll need

Bachelor’s degree in finance, accounting, economics, business, or a related field
2 to 5 years of experience in specialty finance, asset-backed lending, structured credit, leveraged finance, commercial banking, private credit, or a related underwriting role
Strong financial statement analysis, cash-flow modeling, credit underwriting, and risk-assessment skills
Advanced proficiency in Microsoft Excel
Ability to work with large collateral datasets
Excellent written and verbal communication skills
Experience preparing decision-ready credit materials
Strong organization, attention to detail, and sound judgment
Ability to manage multiple transactions and deadlines
Preferred: experience with subscription lines, NAV or SPV facilities, BDC financing, warehouse facilities, or other borrowing-base structures
Preferred: familiarity with fund documents, collateral eligibility provisions, security interests, cash-control arrangements, and financial covenants
Preferred: experience presenting transactions to a credit committee and collaborating with relationship managers, risk teams, operations, and legal counsel

Benefits

Comp & perks

Annual performance bonus eligibility
Opportunity to grow and develop your career
Inclusive environment encouraging diverse perspectives and ideas
Challenging and unique opportunities to contribute to a transforming organization
Comprehensive benefits globally (PB Benefits and Wellbeing Programs)