Private Credit / Direct Lending Expert
Job Description
The opportunity
Use private-credit experience to create cases and review AI reasoning about lending to privately held businesses. The work follows a credit from origination through structuring and monitoring, connecting repayment capacity, documentation terms and downside outcomes to the evidence supplied.
What you will work on
• Construct direct-lending and middle-market credit examples, checking cash generation, leverage, debt service and the assumptions supporting an underwriting conclusion.
• Review unitranche and other financing structures, explaining priority, interest obligations and the allocation of risk between lenders and the borrower.
• Evaluate covenant calculations, liquidity scenarios and monitoring commentary, identifying inconsistencies between the model, supporting schedules and stated loan terms.
• Assess specialty-finance examples within your experience and explain how collateral, cash-flow behavior or servicing arrangements affect the analysis.
Relevant qualifications
• Practical private-credit or direct-lending knowledge covering origination, structuring and monitoring, including unitranche, middle-market lending or relevant specialty finance.
• Ability to review credit models and financing terms, distinguish evidence from an investment assumption and explain downside risk clearly. Describe the borrower types and lending structures you know directly.
Deliverables
Illustrative credit memoranda, checked lending models, covenant examples and annotated AI feedback. State the assumptions and evidence behind each conclusion, identify information still needed and explain how a change in operating performance would affect repayment capacity and lender protection.
Engagement and pay
Remote expert content and AI evaluation work. Advertised pay: $110 – $190/hr USD. The agreed rate, assignment scope, schedule and expected hours will be confirmed before work starts. Use public, synthetic or explicitly authorized material. Keep employer information and client records confidential; assignments do not include live client transactions.