AVP Private Credit Analyst – ABF

Together we fight for everyone’s opportunity for a better financial future.

We will do this together — with customers, partners and colleagues. We will fight for others, not against: We will stand up for and champion everyone’s access to opportunities. The status quo is not good enough … we believe every individual and every community deserves access to financial opportunities. We are determined to support both individuals and communities in reaching a better financial future.  We know that reaching this future depends on our actions today.

Like our Purpose Statement, Voya believes in being bold and committed to action.  We are committed to a work environment where the differences that we are born with — and those we acquire throughout our lives — are understood, valued and intentionally pursued. We believe that our employees own our culture and have a responsibility to foster an environment where we all feel comfortable bringing our whole selves to work. Purposefully bringing our differences together to positively influence our culture, serve our clients and enrich our communities is essential to our vision.

Are you ready to join a company with a strong purpose and a winning culture? Start your Voyage – Apply Now

Get to Know the Opportunity

Collaborate with senior analysts and portfolio managers to source and manage asset-based finance investments for client portfolios across the full investment lifecycle—from origination and underwriting through execution and ongoing monitoring.

The Contributions You Will Make

I. Asset Selection

• Evaluate, underwrite, and execute private credit, structured finance, and alternative investment opportunities, including screening new transactions, assessing relative value, and formulating investment recommendations.
• Review and analyze data including collateral tapes, financial statements and other underlying asset-level information to assess credit quality and investment risk.
• Lead transaction due diligence and execution, coordinating with issuers, sponsors, investment banking advisors, counsel, and internal stakeholders to manage timelines and drive transactions through closing.
• Negotiate key economic, structural, and documentation terms with issuers, sponsors, and their advisors.
• Develop and analyze financial models, including cash flow forecasts, sensitivity analyses, and stress scenarios, to support underwriting and investment decisions.
• Prepare and present investment recommendations, underwriting analyses, and diligence findings to senior members of the Private Credit group and Investment Committee.
• Collaborate across investment teams to share market insights, underwriting perspectives, and lessons learned to support investment decision-making and portfolio management.

II. Portfolio Monitoring

• Monitor financial performance and credit quality of private credit assets, including compliance with deal triggers and covenants.
• Maintain regular communication with borrowers, sponsors, servicers, agents, and other transaction counterparties.
• Support ongoing portfolio management activities, including funding requests, investor reporting, and responses to ad hoc client requests.
• Maintain complete and accurate investment records, transaction documentation, and monitoring materials for assigned portfolio assets.
• Evaluate amendment and waiver requests in coordination with senior investment professionals and legal counsel; prepare recommendations and obtain required approvals.
• Conduct ongoing research and monitoring of borrowers, industries, and asset classes to identify emerging risks, market developments, and investment opportunities.
• Partner with Portfolio Management, Operations, and Technology teams to develop and enhance tools, processes, and reporting capabilities that improve investment monitoring and the capture of key transaction terms and risks.

Minimum Knowledge and Experience

• Minimum Bachelor’s degree; CFA Designation or equivalent preferred.
• Minimum of 3-5 years of capital markets experience at an investment bank, asset manager, or buy-side institution; specific experience in structured finance and asset-based finance is required.
• Demonstrated credit analysis skills, including the ability to assess the creditworthiness, structure, investment merits and key risks of asset-based and structured finance transactions.
• Advanced data analysis and structured finance modeling skills are essential, including Excel-based cash flow and scenario modeling; Python programming experience is preferred.
• Strong understanding of transaction documentation, covenant frameworks, structural protections, and creditor remedies across private credit and structured finance transactions.
• Strong written and verbal communication skills, including the ability to present complex investment analyses and recommendations clearly and concisely to senior stakeholders.
• Proficiency in AI-enabled tools and their effective application to investment analysis and operational workflows, including appropriate controls, validation, governance and human oversight.
• Exceptional attention to detail and organizational skills, with the ability to manage complex transactions and multiple workstreams simultaneously.
• Strong understanding of financial accounting principles including U.S. GAAP and IFRS, as well as their application to credit analysis.
• Commercially oriented and proactive, with the ability to engage effectively with issuers, borrowers, sponsors, advisors, transaction counterparties, and institutional clients.
• Intellectually curious and collaborative, with sound judgment, a high degree of initiative, and a strong commitment to client service and team success.

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Compensation Pay Disclosure:

Voya is committed to pay that’s fair and equitable, which means comparable pay for comparable roles and responsibilities.

The below annual base salary range reflects the expected hiring range(s) for this position in the location(s) listed. In addition to base salary, Voya offers incentive opportunities (i.e., annual cash incentives, sales incentives, and/or long-term incentives) based on the role to reward the achievement of annual performance objectives. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Voya Financial is willing to pay at the time of this posting.

Actual compensation offered may vary from the posted salary range based upon the candidate’s geographic location, work experience, education, licensure requirements and/or skill level and will be finalized at the time of offer. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

$125,000 to $135,000 USD

Be Well. Stay Well.

Voya provides the resources that can make a difference in your lives. To us, this means thriving physically, financially, socially and emotionally. Voya benefits are designed to help you do just that. That’s why we offer an array of plans, programs, tools and resources with one goal in mind: To help you and your family be well and stay well.

What We Offer

• Health, dental, vision and life insurance plans
• 401(k) Savings plan – with generous company matching contributions (up to 6%)
• Voya Retirement Plan – employer paid cash balance retirement plan (4%)
• Tuition reimbursement up to $5,250/year
• Paid time off – including 20 days paid time off, nine paid company holidays and a flexible Diversity Celebration Day.
• Paid volunteer time — 40 hours per calendar year

Learn more about Voya benefits (download PDF)

Critical Skills

At Voya, we have identified the following critical skills which are key to success in our culture:

• Customer Focused: Passionate drive to delight our customers and offer unique solutions that deliver on their expectations.
• Critical Thinking: Thoughtful process of analyzing data and problem solving data to reach a well-reasoned solution.
• Team Mentality: Partnering effectively to drive our culture and execute on our common goals.
• Business Acumen:Appreciation and understanding of the financial services industry in order to make sound business decisions.
• Learning Agility: Openness to new ways of thinking and acquiring new skills to retain a competitive advantage.

Learn more aboutCritical Skills

Equal Employment Opportunity

Voya Financial is an equal-opportunity employer. Voya Financial provides equal opportunity to qualified individuals regardless of race, color, sex, national origin, citizenship status, religion, age, disability, veteran status, creed, marital status, sexual orientation, gender identity, genetic information, or any other status protected by state or local law.