Credit Investment Analyst
$100 - $200/hourpay
Required Skills
debt/credit investing
underwriting
leveraged financing
private credit
cash flow analysis
covenant review
capital structure
CLOs
structured credit
public credit investing
cash flow statements
debt structures
liquidity profiles
covenants
3-statement models
lbo
downside/stress-case models
default risk
recovery analysis
refinancing risk
sponsor quality
industry cyclicality
spreads/yields
relative value
risk-adjusted returns
portfolio construction
high yield bonds
leveraged loans
About micro1
micro1 connects domain experts to the development of frontier AI models. Real-world expertise is turned into training data, evaluations, and feedback loops that improve how models perform. AI labs and enterprises use micro1 to train models and build reliable AI agents through advanced evaluations and reinforcement learning environments. Experts contribute directly to how AI systems learn, reason, and perform across domains like finance, healthcare, engineering, and more. Our platform identifies and vets top talent through an AI recruiter, enabling high-quality contributions at scale.
Our goal is to enable 1 billion people to do meaningful work by applying their expertise to AI. We’ve raised $40M+ in funding, and our AI recruiter has powered over 1 million AI-led interviews as our global network of experts grows into the human intelligence layer for AI.
Job Description
Job Title: Credit Investment Analyst
Job Type: Contractor
Location: Remote
Job Summary: In this role, you'll apply your expertise to help train next-generation AI systems. Your work will shape how models learn, reason, and perform through high-quality, real-world input. No prior experience in AI is required — your domain knowledge is what matters.
Key Responsibilities:
- Leverage deep knowledge of credit and debt investing to evaluate and analyze a broad range of credit instruments, including high yield bonds, leveraged loans, and structured credit products.
- Conduct thorough underwriting and due diligence reviews, assessing capital structures, covenants, and liquidity profiles to inform robust investment recommendations.
- Develop and refine cash flow, 3-statement, LBO, and downside/stress-case models to assess default risk, recovery analysis, sponsor quality, and refinancing risks.
- Analyze spreads, yields, and relative value opportunities across public and private credit markets to optimize risk-adjusted returns in portfolio construction.
- Review complex legal documentation, focusing on covenant packages and protections for various credit structures.
- Collaborate with the customer’s team to deliver incisive, well-articulated written and verbal insights that drive investment decision-making.
- Maintain up-to-date industry knowledge, monitoring market dynamics, industry cyclicality, and emerging risks to inform ongoing portfolio management.
Required Skills and Qualifications:
- 2–6 years of experience in credit investing, underwriting, leveraged finance, or a related field, with direct transaction and investment recommendation exposure.
- Expertise in analyzing cash flow statements, debt structures, covenants, and liquidity profiles for leveraged and private credit investments.
- Advanced financial modeling capabilities, including 3-statement, LBO, downside, and stress-case scenarios.
- Solid understanding of default risk, recovery analysis, refinancing risk, and sponsor evaluation.
- Demonstrated ability to assess spreads, yields, relative value, and risk-adjusted returns within a portfolio construction context.
- Outstanding written and verbal communication skills, with a commitment to clarity and precision in complex analyses.
- Strong attention to detail and critical thinking in structured and public credit transactions, including CLOs.
Preferred Qualifications:
- Top performers from investment banking (LevFin, FIG, M&A), private credit or credit hedge funds, rating agencies, or restructuring advisory backgrounds.
- Significant experience with direct underwriting and investment recommendation processes.
- Commercial banking professionals with advanced modeling and credit structuring exposure are also encouraged to apply.