Senior Associate

About the Role Covalto is seeking a Senior Associate to join the Global Venture Lending team. This is a highly technical role focused on analysis, structuring, and management of complex credit investments across the Americas. You will act as a key execution lead for the platform, driving deals from initial due diligence through to closing and portfolio monitoring.

In the short term, you will manage one direct report and assist the Managing Director in scaling the team by hiring and onboarding additional resources.

What You'll Do

• Lead the development and rigorous review of financial and credit models, including detailed cash flow forecasting, scenario analysis, and stress testing.
• Coordinate comprehensive due diligence processes, interfacing directly with management teams and venture sponsors to evaluate business models and creditworthiness.
• Design and analyze transaction structures, including collateral packages, restrictive covenants, and risk mitigation strategies tailored to high-growth companies.
• Prepare and present high-conviction investment memorandums and credit papers to the Investment Committee.
• Support the negotiation of legal documentation and the execution of transactions, collaborating closely with internal and external counsel.
• Oversee portfolio health, monitor covenant compliance, and evaluate ongoing performance against the original investment thesis.
• Supervise and mentor junior analysts, ensuring high standards of technical output and supporting the recruitment of new team members.

What We're Looking For

• Experience: 4–7 years in Venture Debt, Structured Finance, Private Credit, or related technical lending field.
• Technical Skills: Advanced proficiency in financial modeling and data analysis.
• Ecosystem Knowledge: Strong understanding of the venture capital lifecycle and credit dynamics within technology and fintech sectors.
• Languages: Native or professional fluency in English and Spanish.
• Education: Bachelor's degree in Finance, Economics, or related field; CFA or advanced degree preferred.

Nice to Have

• CFA or advanced degree preferred.