Lender Finance - Structured Credit Analyst

Ally-Financial; Bethesda (MD); On-site; USD 65,000 - 115,000; Full time

Benefits offered by this job

Time off & holidays

401K with company match

Health insurance options

Job summary

Ally Financial invites applications for an Analyst role in the Lender Finance team. This position can be located in NYC or Bethesda, MD, offering exposure to portfolio management, credit underwriting, and deal execution while collaborating with senior professionals across the platform.

You will analyze underlying loan portfolios, review financial statements, and assist in evaluating investment strategies and collateral.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Analytics or a related field.
• Strong attention to detail and written and verbal communication skills.

Responsibilities

• Support ongoing portfolio management, credit monitoring, and risk oversight of facilities for private credit funds and asset managers.
• Review monthly borrowing bases, collateral reporting, and financial statements to ensure compliance with facility requirements.
• Prepare periodic portfolio reviews and risk assessments outlining performance and emerging risks.
• Evaluate new lender finance opportunities from screening to closing and onboarding.
• Develop expertise in private credit markets and Ally's lender finance standards.

Skills

Attention to detail

Written & verbal communication

Portfolio/credit analysis

Multitasking in transaction oriented

Excel/Word proficiency

Education

Bachelor's degree in Finance/Accounting/Economics/Business Analytics

High school Diploma or GED

Tools

Microsoft Excel

Microsoft Word

Job description

Ally and Your CareerAlly Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We love this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?Work Schedule : Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.The OpportunityThis role can either be located in our NYC or Bethesda, MD office.The Analyst will join Ally's Lender Finance team and support the management of a portfolio of financing facilities provided to private credit funds, business development companies, specialty finance companies, and other alternative asset managers. The role offers significant exposure to portfolio management, credit underwriting and deal execution while working closely with experienced professionals across the platform. This position provides a unique opportunity to develop expertise in private credit, fund finance, asset-based lending, and structured credit through participation in both ongoing portfolio oversight and new transaction originations.The Work ItselfSupport the ongoing portfolio management, credit monitoring, and risk oversight of warehouse and back-leverage facilities provided to private credit funds, business development companies, specialty finance companies, and other alternative asset managers.Review monthly borrowing bases, collateral reporting, compliance certificates, financial statements, amendment requests, and new collateral eligibility to ensure ongoing compliance with facility requirements.Analyze underlying loan portfolios to assess collateral composition, borrower performance, leverage and other key credit metrics.Review loan tapes and calculate borrowing base availability by applying eligibility criteria, collateral value adjustments, advance rates, concentration limits, reserves, and minimum equity requirements.Prepare periodic portfolio reviews and risk assessments that summarize facility performance, portfolio trends, emerging risks, and recommended actions for internal stakeholders.Partner with senior team members to evaluate new lender finance opportunities from initial screening through approval, documentation, closing, and post-close onboarding.Evaluate asset managers' investment strategies, underwriting processes, servicing capabilities, track records, historical portfolio performance, and ability to manage through changing credit environments.Conduct transaction due diligence by reviewing fund and borrower financial statements, investment memoranda, underlying credit agreements, portfolio performance data, servicing procedures, and third-party diligence reports.Prepare investment approval materials that clearly explain the asset manager, investment strategy, collateral portfolio, facility structure, borrowing base, key risks, mitigating factors, and credit recommendation.Develop expertise in private credit markets, leveraged lending, fund finance, and Ally's lender finance credit standards through active participation in both portfolio management and live transaction execution.Leverage data, technology, and AI-enabled tools to improve loan-tape analysis, portfolio monitoring, underwriting efficiency, and reporting processes.The Skills You BringBachelor's degree in Finance, Accounting, Economics, Business Analytics or a related field. Coursework, internship experience, or exposure to credit analysis, investments, lending, financial modeling, or capital markets is preferred.Strong attention to detail and written and verbal communication skills, including the ability to translate detailed portfolio and structural analysis into a clear credit recommendation.Ability to manage multiple workstreams and deadlines in a transaction-oriented environment.Intellectual curiosity and a desire to develop expertise in private credit, fund finance, and structured lending markets.Sound judgment, a high level of accountability, and a willingness to raise questions or emerging credit concerns.Collaborative mindset and ability to work effectively with colleagues across originations, portfolio management, credit, legal, operations, and capital markets teams.Proficiency in Microsoft Excel and Word. Experience with financial modeling, database tools, data visualization platforms, programming languages, or AI-enabled analytical tools is a plus.Minimum Qualifications1+ years of experienceHigh school Diploma or GED equivalentHow We'll Have Your BackAlly's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs.Other Compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdfWho We Are :Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on \"Doing it Right\" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com .Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.In accordance with the Americans with Disabilities Act, if after review of the position expectations, you believe that you may need a medical accommodation to fulfill the duties of this role, please email [e-mail] with details of your accommodation request.Base Pay Range$65,000.00 - $115,000.00An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.Incentive Compensation:This position is eligible to participate in our annual incentive plan.