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Capital Structure Analyst Jobs (NOW HIRING)

DRiV

Director, Capital Markets

Southfield, MI · On-site

$150 - $210/hr

Perform capital structure optimization, leverage analysis, refinancing scenario modeling, and liquidity stress testing. * Partner with FP&A to support long-range financial planning and funding ...

DRiV

Director, Capital Markets

Southfield, MI · On-site

Perform capital structure optimization, leverage analysis, refinancing scenario modeling, and liquidity stress testing. * Partner with FP&A to support long-range financial planning and funding ...

DRiV

Director, Capital Markets

Skokie, IL · On-site

Perform capital structure optimization, leverage analysis, refinancing scenario modeling, and liquidity stress testing. * Partner with FP&A to support long-range financial planning and funding ...

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Capital Structure Analyst information

See salary details

$35.5K

$99.2K

$127K

How much do capital structure analyst jobs pay per year?

As of Sep 6, 2026, the average yearly pay for capital structure analyst in the United States is $99,157.00, according to ZipRecruiter salary data. Most workers in this role earn between $72,000.00 and $126,500.00 per year, depending on experience, location, and employer.

What does a capital structure analyst do?

A Capital Structure Analyst evaluates a company's debt, equity, and other financing options to determine the most effective way to fund its operations and growth. They analyze balance sheets, assess risk factors, and provide recommendations on debt issuance, equity financing, and overall capital allocation. Their insights help ensure the company maintains financial stability while maximizing shareholder value. Capital Structure Analysts often work closely with finance teams, investment bankers, and executives to support strategic financial decisions.

What are the key skills and qualifications needed to thrive as a capital structure analyst, and why are they important?

To thrive as a Capital Structure Analyst, you need strong analytical skills, a deep understanding of corporate finance principles, and typically a degree in finance, economics, or a related field. Familiarity with financial modeling tools such as Excel, Bloomberg Terminal, and valuation software, as well as certifications like CFA, are highly valued. Exceptional attention to detail, critical thinking, and effective communication are vital soft skills in this role. These abilities are crucial for evaluating, optimizing, and communicating a company's capital structure to ensure financial health and support strategic decision-making.

What are some common challenges faced by capital structure analysts when advising on optimal financing strategies?

Capital Structure Analysts often encounter challenges such as balancing the trade-offs between debt and equity financing, aligning strategies with the company's risk tolerance, and adapting recommendations to shifting market conditions. They must also navigate complex regulatory environments and ensure compliance with financial reporting standards. Effective collaboration with finance teams, legal advisors, and senior management is crucial to developing solutions that support both short-term liquidity and long-term growth objectives.

What is the difference between Capital Structure Analyst vs Credit Analyst?

AspectCapital Structure AnalystCredit Analyst
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFABachelor's degree in finance, economics, or related; CFA often preferred
Work EnvironmentFinancial institutions, investment firms, corporate finance teamsBanks, credit rating agencies, financial institutions
Industry UsageFocuses on optimizing a company's debt and equity mixAssesses creditworthiness of borrowers and debt instruments

The main difference is that a Capital Structure Analyst concentrates on a company's debt and equity structure to optimize financial performance, while a Credit Analyst evaluates the credit risk of borrowers or debt instruments. Both roles require similar educational backgrounds and certifications but serve different functions within the financial industry.

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What states have the most Capital Structure Analyst jobs?

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Capital Structure Analyst jobs near you
Infographic showing various Capital Structure Analyst job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 86% Full Time, 10% Part Time, and 3% Contract. Highlights an 54% Physical, 2% Hybrid, and 44% Remote job distribution, with an average salary of $99,157 per year, or $47.7 per hour.

Credit Analyst - Capital Finance

Career Site

Bloomington, MN • On-site

Full-time

Re-posted 8 days ago

Job description

The Credit Analyst - Capital Finance is responsible for evaluating, structuring, and monitoring credit exposures related to capital finance transactions. This role supports disciplined capital deployment through rigorous financial analysis, collateral evaluation, and risk assessment, ensuring alignment with the Bank's credit policy, risk appetite, and return objectives.

Responsibilities

Credit Analysis & Underwriting

  • Evaluate borrower creditworthiness through detailed analysis of financial statements, cash flow, liquidity, leverage, and capital structure.
  • Assess transaction structure, including debt capacity and repayment sources.
  • Analyze sponsor strength, industry dynamics, and enterprise valuation where applicable.
  • Prepare credit memoranda with clear risk identification, mitigants, and recommendation.
  • Support credit approval process and documentation requirements in coordination with legal and credit risk teams.

Capital Finance Structuring

  • Support structuring of complex capital finance transactions.
  • Assess collateral quality, advance rates, borrowing base mechanics, and eligibility criteria.
  • Partner with relationship managers and deal teams to optimize risk-adjusted returns.
  • Participate in transaction due diligence, including review of third-party reports, appraisals, and field exams.

Portfolio Monitoring & Risk Management

  • Monitor existing portfolio exposures for compliance with credit terms and performance expectations.
  • Perform ongoing financial analysis and collateral monitoring.
  • Identify emerging risks and recommend risk mitigation strategies or credit actions.
  • Provide insights to inform credit strategy, portfolio trends, and capital allocation decisions.

Bell Bank Culture, Policy and Accountability Standards

  • Know by name and face as many customers and employees as possible, calling them by name as often as possible.
  • Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
  • Know, understand, and live the company values and bottom line.
  • Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
  • All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
  • Prompt and reliable attendance.
  • Perform other duties as assigned.

Education, Experience, and Other Expectations

  • Bachelor's degree in finance, accounting, or a business-related field; or equivalent amount of experience.
  • 2 - 4 years of experience in commercial credit analysis, commercial lending, or bank examination.

Skills and Knowledge

  • Advanced spreadsheet skills, including comfort with financial formulas, data sorting, and formatting.
  • Exceptional organizational skills with a proven ability to prioritize tasks, manage workload independently, and consistently hit strict project deadlines.
  • Above-average written and verbal communication skills, with the ability to clearly articulate financial findings to senior staff and Portfolio Officers.
  • Solid foundational knowledge of financial accounting, with the ability to read and understand financial statements (Income Statement, Balance Sheet, Cash Flow).
  • Strong analytical mindset with the capability to accurately spread financial statements and monitor client performance trends through monthly financials.
  • High proficiency with modern computer technology and a quick learning curve for proprietary banking software and systems.

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