Overview
This role involves working closely with the Director of Enterprise Valuation to perform independent business valuations that support credit and risk decisions. The position includes providing research support related to industry analysis and valuation trends, producing written enterprise valuation reports for credit approval and portfolio monitoring, and maintaining independence from origination while collaborating with deal teams to validate assumptions.
The Enterprise Valuation Analyst II conducts complex analytical, valuation, and financial modeling analyses to support credit underwriting for leveraged loans. The role requires synthesizing large amounts of information to build clear and effective financial models, managing multiple projects independently, and serving as a key contributor to deal teams. Effective and proactive communication with deal team members and collaboration with internal partners across the bank are essential.
Responsibilities
- Prepare enterprise valuation reports documenting methodology, key assumptions, sensitivities, and valuation conclusions to support leveraged lending underwriting and portfolio monitoring.
- Calculate enterprise value using discounted cash flow (DCF) models, analyzing and assessing the likelihood of projected cash flows based on industry data, historical performance, and reasonableness of add-backs.
- Perform and interpret sensitivity analyses (WACC, terminal growth, leverage, margins) and scenario cases (management/base/downside) to support defensible valuation ranges.
- Use S&P Capital IQ to identify, screen, and compile guideline public companies and precedent transactions; calculate key multiples and support comparable company selection.
- Utilize and critically evaluate advanced leveraged finance projection models in Excel.
- Communicate effectively with deal teams to manage transaction deadlines, obtain relevant comparables, and review projection assumptions.
- Conduct industry research using S&P Capital IQ, IBIS World, Kroll, DealStats, and other reputable publicly available resources.
- Develop proficiency in third-party financial platforms and maintain internal databases.
- Adhere to Enterprise Valuation policy and contribute to ongoing enhancements of templates, databases, and best practices.
- Mentor and review work of less experienced analysts on the team.
Requirements
- Bachelor’s degree in finance or accounting.
- 2-5 years of credit analysis or valuation experience, preferably in Capital Markets, Leveraged Finance, or industry verticals.
- Strong work ethic, detail orientation, positive attitude, and passion for excellence.
- Self-starter with the ability to operate with a high degree of autonomy.
- Resourceful with strong critical thinking skills; capable of finding answers not immediately given.
- Advanced analytical and quantitative skills with the ability to interpret complex financial data and present conclusions effectively.
- Highly effective written communication skills; ability to create clear, well-structured valuation deliverables.
- Strong proficiency in Microsoft Excel and comfortable working within financial models (advanced modeling proficiency is a plus).
- Understanding of valuation concepts such as market comparables, free cash flow, EBITDA, present value, and WACC.
Working Conditions
- Normal office environment.
- Extended time at desk and viewing computer screen.
- Travel is not required.
Compensation & Benefits
- Total base pay range: $61,200 to $125,500 USD annually.
- Compensation varies based on role, relevant skillset, experience, education, and geographic location.
- Eligibility to participate in an incentive compensation plan based on company, line of business, and/or individual performance.
- Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
Location
Grand Rapids, Michigan 49503