Associate Analyst Investment Credit Research at Empower

Greenwood Village, Colorado, United States

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Not SpecifiedCompensation

Entry Level & New Grad, Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Finance, InvestmentIndustries

Requirements

Bachelor’s degree in business, finance, accounting, mathematics, or equivalent experience
1–2 years of experience in credit or data analysis preferred
Working knowledge of financial statement analysis
Strong business writing and communication skills
Proficiency with Microsoft Excel, Word, and PowerPoint
Applicants must be authorized to work for any employer in the U.S. (no sponsorship available)

Responsibilities

Complete annual credit reviews for portfolio companies on schedule
Analyze financial and sustainability data from internal and external sources
Collaborate with senior analysts to form and communicate credit opinions
Manage your own workflow and help refine team processes for quality control
Track compliance and maintain data within credit systems
Partner with teams across regions to share insights
Contribute to new investment reviews and special projects as needed

Skills

Key technologies and capabilities for this role

financial statement analysisExcelWordPowerPointcredit analysisdata analysisbusiness writingcredit reviews

Questions & Answers

Common questions about this position

What benefits does Empower offer?

Empower offers medical, dental, vision and life insurance, a 401(k) plan with generous company matching contributions up to 6%, tuition reimbursement up to $5,250/year, financial advisory services, potential company discretionary contribution, a business-casual environment with jeans option, and generous paid time off upon hire.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What are the required qualifications for the Associate Analyst role?

Candidates need a Bachelor’s degree in business, finance, accounting, mathematics, or equivalent experience, 1–2 years of experience in credit or data analysis preferred, working knowledge of financial statement analysis, strong business writing and communication skills, and proficiency with Microsoft Excel, Word, and PowerPoint.

What is the company culture like at Empower?

Empower fosters a flexible work environment with fluid career paths, celebrates internal mobility, emphasizes purpose, well-being, and work-life balance, and creates a welcoming and inclusive environment where associates volunteer extensively.

What will make my application stand out for this role?

Experience using Bloomberg or Capital IQ, progress toward the Chartered Financial Analyst (CFA) designation, familiarity with Access or other database tools, and interest in sustainable finance and portfolio risk management will set candidates apart.

Empower

Personal finance management and credit building

About Empower

Empower.me provides personal finance management and credit building services through a subscription model. Users can sign up for a 14-day free trial, after which they pay $8 per month for access to various financial tools. These tools include customizable payment plans, budgeting features, and credit score monitoring. A key aspect of Empower.me is its focus on helping users build credit by reporting their payments to credit bureaus, which can enhance their credit history if payments are made on time. Additionally, Empower.me offers a Thrive line of credit, which involves a soft inquiry on the user's credit report, ensuring that their credit score remains unaffected during the application process. Unlike many competitors, Empower.me specifically targets individuals with no minimum credit score, aiming to improve their financial health and savings.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$96.8MTotal Funding

LATE_VCCompany Stage

Fintech, Financial ServicesIndustries

51-200Employees

Benefits

Generous equity package

Full healthcare benefits

Unlimited PTO

Technology expense reimbursement

Work from anywhere

Risks

Increased competition from fintech companies like Chime and Varo could impact market share.

Integration challenges from acquisitions may disrupt operations and delay strategic goals.

Regulatory scrutiny on credit services could increase compliance requirements and costs.

Differentiation

Empower offers a unique subscription-based model for financial management tools.

The company focuses on credit building by reporting payments to credit bureaus.

Empower's Thrive line of credit involves a soft inquiry, not affecting credit scores.

Upsides

Acquisition of Petal and Cashalo expands Empower's product offerings and customer base.

Increased demand for financial literacy tools among millennials and Gen Z benefits Empower.

Growing interest in alternative credit scoring aligns with Empower's mission for underserved consumers.

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