Sophia Weeber, Credit Analyst - Financial Sponsors, Funds on Influential Women

Influential Woman · Finance

Sophia Weeber

Credit Analyst - Financial Sponsors, Funds, Lloyds Banking Group

New York, NY

Certifications · Degrees · Memberships

Degree Bachelor's Degree from dual degree program (2 years in Mexico Degree Final year at Northeastern University in Boston Degree Graduated 2018) Degree Master's Degree (1 year in Italy Degree 1 year in St. Petersburg Degree Russia Degree Completed around 2020)

Her Story

About Sophia

I've been in my field since June of 2021, and I've always done credit work ever since I graduated from college, helping out with lending and doing financial analysis for companies. I've been in my current position as a credit analyst at Lloyds Bank since September 2022, working under the Financial Sponsors Team. What I love about credit analysis is that you can paint a story through numbers. Even just looking at financial statements and reviewing 10Ks, I love painting out the story of what happened throughout the year, year over year, in terms of management, products, the cash flow that comes in and out. The numbers speak to me through financial statements, and then reading the footnotes that confirm that. That love of storytelling through numbers is what inspired me to get into credit. In my role, I do the full financial analysis and write up the proposal, which is our credit thesis, to present to senior sanctioners for approval. I review the fund's financial statements to ensure they're performing well, that I like the assets they're investing in, and that the private equity firm is a very well-known asset manager throughout the world. I work with major clients like Cerberus Capital Management, Bain Capital, Blackstone, HarborVest, and TPG. On an annual basis, we review our clients' funds to ensure nothing breaches our covenant or security package. If there are any changes to the security package or investors, I have to do another full set of analysis to approve those changes as a lender. The biggest challenge in my field is that there's always a lot of new business and new deals, which is great, but we're also a very small team, so the workflow can be challenging. But I just work around that schedule. Beyond my day-to-day job, I'm also building a company called the Sophisticated Brand, which I launched in April of this year. It embodies everything I've learned throughout my life. For now, I'm wanting to expand this company and sell products such as fashion and beauty products. To start off, one of the very first products I'm selling are Mexican ponchos - Mexican flag ponchos with the Statue of Liberty to represent the Mexicans living in the United States, and also the World Cup. The ponchos show the FIFA ball and a regular soccer ball to display that we're hosting the World Cup this year in New York City for 2026. It's something I'm very excited about, and it's something I like to do on the side of not just writing private equity credit papers.

Her Interview

Ten minutes with Sophia

01What do you attribute your success to?

What inspires me is always reinventing myself. I was fortunate enough to live in 4 different countries - I studied abroad in Mexico, studied in Boston, did a year in Italy, and a year in Russia. I'm from Houston, Texas, and having that global experience of living in different countries, being half Mexican from my mom's side and European from my dad's side (Germany and Spain), the cultural experience has shaped me. I've also had challenges like being divorced and relationship experiences, challenges every day with work, maybe the workload or having a bad day. But I always see that there's always positivity in life. I always see that you can reinvent yourself and always move forward and improve. Every single day, you can do better today than you could yesterday, and every day's a new day. I love to see how I can grow in my field in finance, how I can grow through fitness where I've seen the progress, and even through fashion. I'm inspired by timeless people like Coco Chanel and Queen Elizabeth - it's fashion that doesn't expire. You can wake up every day, look good, feel good, while going to the gym, going to work, even just going to the grocery store. Overall, we're all humans, we're all trying to be better than who we were yesterday, and that inspires me. Never give up on yourself - that to me sums up my life. Don't give up.

02What’s the best career advice you’ve ever received?

I can't pinpoint someone telling me the best career advice. I think I've kind of developed my own advice throughout the years with living in different countries, even countries I didn't even speak the language, dealing with different cultures, and also with relationships. I've built my own way of thinking - I still have to show up for myself, I still have to believe in myself, believe in my worth, and stay true to my values. It's very easy for somebody to have that victim mentality, but rather than doing that and letting myself go, I'm still here, I'm still showing up at work, I'm still going to the gym, and if anything, it makes me work even harder for the challenges that I've gone through. The best advice, not necessarily career but personal and everything, is never give up on yourself. That to me sums up my life. Don't give up.

03What advice would you give to young women entering your industry?

Believe in yourself, because nobody else will. You always have to be true to who you are, know your worth. I run half marathons because I love when people cheer for me. You could have great parents or loving family and friends, but at the end of the day, you are you for you. You could be your worst enemy or your best friend. I would say to someone young, always prioritize yourself first, and be your own best friend. It's very easy for somebody to have that victim mentality, but you still have to show up for yourself, believe in yourself, believe in your worth, and stay true to your values.

04What are the biggest challenges or opportunities in your field right now?

The biggest challenge is that there's always a lot of new business, there's always a lot of new deals, which is great, but because of that, we're also a very small team, so the workflow of it could be a challenge. But that's generally good - if anything, I just work around that schedule of the workflow challenge.

05What values are most important to you in your work and personal life?

I value respect. That's number one - being respectful for each other. We're all humans, I don't know your story, you don't know mine, so we don't know what other people have gone through in life. Respect is key, whether that is a senior leader in management or someone that's below you. You always have to be kind to each other and be nice. It's so basic, but that's something I do value. Also, loyalty, friendship, and family is something I hold dear to me - family and friends that I can trust with whatever I say to them, and I know that they're not gonna talk behind my back or they're not gonna be judgmental. For me, that's so key, and it's so rare to find a group of people that you can really connect and bond with. I've been fortunate enough to have family that is loving and supportive, and I've also built a community of friendships on the side that I know I can count on for years and years to come. We're all here to support each other. Even if someone is having a bad day or going through something challenging in life, just let them know I'm here for you, for whatever you need.

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