Complex Credit Associate

3 weeks ago

San Francisco, United States White Oak Global Advisors Full time

Firm Description:

White Oak Global Advisors, LLC (“White Oak”) is a private credit investment manager with approximately $6.3 billion* of assets under management. Together with our financing affiliates, we are a direct lending specialist focused on senior secured term and asset based loan products to non-sponsored and sponsored middle market companies. We are industry agnostic with a rigorous investment process, and we work closely with our borrowers throughout the lifecycle of the loan. Our hold size ranges from $20 million to $150 million, and we are typically the controlling lender and administrative agent for the loans we make. White Oak is headquartered in San Francisco, CA with offices or affiliates in eight other U.S. cities, Asia and Europe.

*As of 3/31/2024.

Group Description

White Oak’s Complex Credit (“CC”) team oversees special and distressed situations, with a focus on more tactical credit investing strategies. CC often works on investments where White Oak holds control debt or equity positions. The group employs a proactive approach to solving complex investment problems through:

  • Triage (e.g. when necessary in the event of major covenant defaults)
  • Root Cause Analysis (e.g. customer issues, capital structure issues, etc.)
  • Financial Restructuring & Operational Improvements (e.g. liquidity management, cost rationalization, etc.)
  • Operational Stabilization (e.g. management changes, financial planning, etc.)
  • Recapitalization / Exit (e.g. refinancing, sale of company, etc.)

In addition to high-touch portfolio engagements, CC analyzes new investment opportunities with the following characteristics:

  • Underwritings of special situations investments
  • Distressed loan portfolios or loan positions at large discounts
  • New investments have a focus on value creation and synergies for the existing portfolio

Summary Job Description:

  • White Oak is looking for an exceptional Associate with two to five years of investment banking, restructuring, leveraged finance, credit investing or private equity experience.
  • The Associate will work closely with senior members and generally support all aspects of the investment and triage process:

Build robust, three-statement financial models to (i) help company financial planning, (ii) analyze distressed investments and (iii) rationalize strategic alternatives / exit opportunities;

Draft internal investment memorandums for Investment Committee discussions;

Assist the negotiation of legal documentation and restructurings; and

Work with Loan Servicing Analysts to monitor and manage relevant portfolio credits.

The firm has a collegial environment where contributions from all team members are respected.

This role provides significant responsibility and an opportunity to develop and apply the complete skillset for investing in credit, while also providing operational and M&A experience akin to private equity.

Position is based in our San Francisco or New York Office.

Candidate Qualifications:

Two to five years of investment banking, restructuring, leveraged finance, credit investing or private equity experience.

Candidates must be highly motivated and intellectually curious individuals with strong financial modeling, valuation and accounting skills.

Undergraduate GPA of 3.5 or higher from a competitive institution.

Excellent communication and interpersonal skills.

Experience with credit documentation and working knowledge of capital structures are a plus.

Cultural fit is essential.

Compensation and Benefits:

Competitive market salary and annual bonus, commensurate with experience.

Full healthcare benefit premiums paid by company for the employee (Medical/Dental/Vision).

401(k) matching.

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