Credit Associate - Food & Beverage

Location: In office in New York City, Los Angeles, Walnut Creek, or San Francisco, United States

Salary: $34.55–$55.19 per hour, plus eligibility for bonus and/or commissions.

Company

hirify.global is a financial services company and a subsidiary of Royal Bank of Canada, serving entrepreneurs, businesses, and communities.

What you will do

• Support underwriting and management of cash-flow and asset-based loans of at least $25 million for the national Food & Beverage platform.
• Assist with due diligence for manufacturers, processors, distributors, grocers, and other borrowers across the Food & Beverage value chain.
• Analyze historical and projected financial statements and build dynamic three-statement financial models.
• Prepare credit memorandums, approval memorandums, and credit risk recommendations.
• Monitor borrower portfolios through monthly, quarterly, and annual reviews of performance, risk ratings, repayment capacity, and covenants.
• Collaborate with senior leadership and cross-functional teams on credit operations and ad hoc organizational priorities.

Requirements

• Bachelor's degree or equivalent in Finance, Business, or a related field.
• At least 2 years of progressively increasing credit underwriting and portfolio management experience in a relevant industry.
• Intermediate experience in credit management and lending operations, ideally including 3+ years of underwriting.
• Strong understanding of risk management principles, credit quality standards, and regulatory compliance.
• Intermediate analytical skills and the ability to interpret complex data and make informed decisions.
• Ability to work in the office in New York City, Los Angeles, Walnut Creek, or San Francisco.

Culture & Benefits

• Medical, dental, and vision coverage available from the first day of the month following the start date.
• 401(k) company matching contribution.
• Tuition reimbursement and internal upskilling and training resources.
• Vacation, sick, and volunteer time off.
• Specialized health, family planning, fertility, and wellness support programs.
• Career mobility support, colleague resource groups, and networking opportunities.