Senior Credit Analyst

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June 23

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Rheem Manufacturing

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Hardware • Energy

Rheem Manufacturing is a global leader in the development and production of innovative heating, cooling, and water heating solutions. They manufacture high-quality products such as water heaters, tankless water heaters, air conditioners, furnaces, pool heaters, and HVAC systems for both residential and commercial applications. Rheem emphasizes sustainability and efficiency in their products and is a member of the Air-Conditioning, Heating, & Refrigeration Institute (AHRI), demonstrating their commitment to industry standards and environmental responsibility.

10,000+ employees

Founded 1925

🔧 Hardware

⚡ Energy

📋 Description

• Own end-to-end underwriting for SMB credit deals — from gathering docs and analyzing financials to running KYB/KYC checks (UCC, LexisNexis, Allianz) and assessing overall risk. • Write clear, actionable credit memos with funding recommendations and present them to our internal credit committee and capital partners. • Manage a growing portfolio of SMB loans, track performance, spot red flags early, and keep things on track post-close. • Work directly with clients — sending LOIs, explaining terms, and helping them understand the value we bring. • Package and share diligence materials with funding partners, walking them through the deal thesis, red/green flags, and overall fit. • Partner closely with engineering to improve internal tools, automate manual workflows, and tighten up the credit process. • Support capital raise and investor diligence efforts — fast turnarounds, clear data, and no bottlenecks. • Maintain and regularly update internal models — requires expert-level Excel/Google Sheets and comfort working with complex, dynamic sheets. • Build new models as we launch new products and revenue streams; support 13-week cash flow forecasting and scenario planning. • Be a subject matter expert on every approved company — know their financial standing, deal terms, collateral position, and any emerging risks or delays.

🎯 Requirements

• Past experience in Asset based lending, preferably in a startup environment. • Past experience with Inventory, Supply Chain, e-Commerce, wholesale, factoring, and retail. • Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization • Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data • Ability to apply Financial Analysis and Calculations to Digital Data tables • Self-motivated, high integrity, strong collaborator • Lifelong learner, Excited by Steep learning curves, new industries, new approaches • Product driven mindset • Strong problem-solving, mathematical and analytical skills • Broad range and curiosity of various markets including manufacturing, sourcing and supply chain • Excellent Research skills • Excellent written and verbal communication skills - must be able to handle Customer diligence calls. • Ability to maintain confidentiality • Proficiency with computers and computer software, particularly Excel/Google Sheets

🏖️ Benefits

• Startup Equity • World Class Benefits