Credit Analyst / Renewable Energy Finance

About the position

About Us

Sunstone Credit is a financial technology company working to help businesses take control of their energy costs, adapt to the energy transition, and reduce their carbon footprint. In recent years, over half of all new electricity-generating capacity was solar and increasingly businesses are looking to add energy storage systems and other energy efficient technologies. Sunstone Credit exists to serve this significantly underserved segment by offering financing solutions that democratize access to renewable energy solutions. With unique capital and proprietary technology, Sunstone provides simple and efficient financing that installers and developers use to help businesses acquire and deploy their renewable energy systems. We partner with best-in-class renewable energy installers across the country and help them grow and develop new customers and markets. By providing renewable energy loans to businesses, we help these companies control their energy costs, reduce their carbon footprint and ensure our entire economy is benefiting from clean, distributed electricity generation. About You You are a smart, accomplished, hard-working professional who is passionate about having an impact and building an innovative business You are analytically minded and detail-oriented You have excellent written and interpersonal communication skills and enjoy working in a collaborative team environment You have a four-year college / university degree in business, accounting, finance, or other related discipline Renewable energy experience is not required About the Role Sunstone is seeking a Credit Analyst to join our team. As a Credit Analyst you will be responsible for evaluating renewable energy finance opportunities for commercial borrowers. The analysis will include a quantitative and qualitative assessment of the borrower as well as the renewable energy benefits of the solar system. Your evaluation will be detailed oriented, evidence based, and well documented. As a Credit Analyst, you will need excellent written, interpersonal, and Excel based analytical skills. You will work very closely with our customers who are both the owners and installers of solar projects. As part of a startup, you will not work in a silo. You will go above and beyond your job description to help us meet our goals and you will have the opportunity to improve our processes, develop our standards, and collaborate on the development of our tech platform.

Responsibilities

• Financial Analysis: Assess the stability and predictability of the borrower’s revenue and cash flow and the borrower’s financial condition
• Credit Risk Assessment: Complete scenario analysis and debt capacity analysis to determine a probability of default, loss given default, and overall credit risk of the loan opportunity
• Energy Analysis: Determine the economic benefit of the solar project, including the long-term utility cost savings. This analysis requires research and a thorough understanding of state specific solar incentives and utility regulations
• Borrower Due Diligence: Assess non-financial customer information and third-party reports to assess other risk factors, including legal and regulatory risks
• Market and Industry Analysis: Analyze market conditions, industry trends, and economic factors that could impact the borrower’s ability to repay
• Special Projects: Design, test, and implement process improvements and new products to aid in the development and growth of our platform

Requirements

• You are a smart, accomplished, hard-working professional who is passionate about having an impact and building an innovative business
• You are analytically minded and detail-oriented
• You have excellent written and interpersonal communication skills and enjoy working in a collaborative team environment
• You have a four-year college / university degree in business, accounting, finance, or other related discipline
• Excellent written, interpersonal, and Excel based analytical skills

Nice-to-haves

• Renewable energy experience is not required

Benefits

• All Sunstone employees earn equity in the company in the form of stock options.
• We offer competitive pay as well as excellent benefits, including medical, dental and vision coverage.

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