Job details

Credit Analyst

Hum Capital is the funding platform that connects great companies with the right capital. Hum offers companies the most efficient way to access private capital by helping them understand the power of their data in the fundraising process. For investors, Hum delivers investment insights and a personalized deal flow built on company data they can trust. Hum is working to make private fundraising more data-driven and accessible to both companies and investors.

Hum’s Intelligent Capital Market puts companies' financial data to work, applying data analytics and AI to provide an investor's view of their business so they can fundraise with confidence. Hum empowers companies raising up to $50 million to make informed financing choices based on the options provided via the ICM’s two funding processes, SmartRaise and SmartMatch. To date, Hum has helped companies raise more than $600 million in committed capital and currently has over 2,000 companies on the platform and over 400 institutional investors.

Hum was founded by alumni from Stanford, Draper Fisher Jurvetson (DFJ), OakTree, Foursquare, NASA, Class Dojo, and has over 75 years of experience on Wall Street and Silicon Valley. Our team is formed by passionate Hum-ans who welcome diversity of backgrounds, ideas and perspectives. We believe that transparent, verified and tested information is the fuel of meaningful and profound work, but also the basis of a great and trustful environment to change the world’s fundraising system. If you find this exciting, you are in the right place. For more information, visit humcapital.com.

The Role:

We are looking for a seasoned analyst to join our Strategic Capital team, supporting the team in deal analysis. The Strategic Capital team will identify, analyze, and provide tailored financing solutions to companies meeting certain criteria. The right candidate will be comfortable working with complex financial data, adaptive in an ever changing fast paced startup environment, coachable, and a team player.

What you'll be doing:

Use company financials and other data to assess the credit risk of private growth businesses in unconventional ways
Think creatively about financing solutions including loans, receivables factoring, revenue-based financing, merchant cash advance
Have a well-developed understanding of what makes a good investment
Professionally interview company management to gather data and develop rapport
Present data and conclusions in a clean and efficient manner
Create investment memoranda and analysis, write investment briefings. Present these to Investment Committee and defend your thinking
Assist in development of term sheets
Assist in closing of investments and due diligence
Monitor investments, refreshing analysis as required
Work with our technology product team and quantitative team to enhance the investment and underwriting process
Support the product team in creating investor-first products and testing product functionalities
Facilitate meetings amongst various team members

What You'll Bring:

Ability to gather and interpret large amounts of data
Experience creating valuation models, pricing analysis, investor presentations and other such diligence deliverables
Credit background, with experience in specialty credit
Research, analysis, and deal operations experience
Experience presenting data and conclusions in a clean and efficient manner to senior stakeholders
Strong communication skills (interacting internally and externally, cross functionally as well as with clients such as investors & companies)
Product experience (and ability to nurture product learnings to incorporate into an analytics platform)
Self starter, with comfort in a dynamic and fast paced environment
Curiosity and enthusiasm around both analysis and relationship building

Preferred Experience and Skills:

Minimum 3-4 years experience in one of the following fields: leveraged finance, private debt, venture debt, structured private equity, specialty credit, revenue-based lending, receivables factoring, merchant cash advance, small business lending
Exposure to growth investing a positive
Investment banking training preferred
Top-level Excel skills, accustomed to handling large spreadsheets and datasets
Exceptional Accounting knowledge or education.
CPA a plus.
CFA progress a plus.
Book-keeping or QuickBooks experience a plus
Attention to detail
Bachelor’s degree required, preferably majors in Finance or Accounting

You must be a US Citizen or Green Card holder to be considered for this role.

HUM Capital Glassdoor Company Review

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