Senior Analyst, Structured Finance

ALM First Group; Dallas, Northern (TX, KY); Hybrid; USD 90,000 - 140,000; Full time

Job summary

ALM First Group seeks a Senior Analyst in Structured Finance to own end-to-end loan transaction analysis, from tape review to pricing and client delivery. You’ll build cash flow models, construct pools, and price deals while evaluating market trends and liquidity needs.

The role requires 3–5 years of experience, advanced Excel, and the ability to work autonomously with cross-functional teams. Collaboration with the MD and LTN team is essential for strategy and execution.

Qualifications

• 3–5 years of experience in loan portfolio analysis, cash flow modeling, or credit analysis.
• Advanced Excel proficiency; SQL or data tools a plus.
• Bachelor’s degree in finance, economics, data science, or related quantitative field.
• Ability to independently manage multiple live transactions and communicate analysis clearly.

Responsibilities

• Evaluate credit characteristics of loan portfolios across asset classes.
• Build and run cash flow models to produce pricing and structural analysis.
• Construct loan pools aligned with buyer participation interests.
• Price loan pools and track market demand and liquidity needs.
• Maintain modeling assumptions and methodologies as market conditions evolve.
• Develop new models and frameworks for new asset classes.
• Support client questions and decision-making on transactions.
• Collaborate on deal strategy with Managing Director and LTN team.
• Contribute to internal tools and process improvements.

Skills

Loan portfolio analysis

Cash flow modeling

Credit analysis

Advanced Excel

SQL / data tools

Fixed income concepts

Client communication

Education

Bachelor’s degree in finance, economics, data science, or related field

Tools

ZM Analytics

SQL

Job description

The Senior Analyst owns loan transactions end-to-end within the Loan Transaction Network — from initial tape review through modeling, pool construction, pricing, and client delivery. This role requires strong analytical judgment on credit characteristics, pricing strategy, and pool structure, and the ability to translate market-level trends in buyer demand, seller liquidity needs, and transaction activity into pricing and structuring decisions that shape deal outcomes for clients. The analyst works closely with the Managing Director and broader LTN team to advance deal strategy and expand the network’s analytical capabilities across asset classes.

Key Responsibilities

• Evaluate and analyze credit characteristics of loan portfolios across multiple asset classes, tailoring analytical approach to each client’s strategy and objectives
• Build and run cash flow models (using ZM Analytics or equivalent tools) to produce pricing, yield, and structural analysis
• Construct loan pools aligned with buyer participation interests and objectives
• Price loan pools in line with current market and transaction activity — tracking buyer demand trends, seller motivations and liquidity needs, and comparable deal activity to inform pricing and structuring strategy
• Maintain and update modeling assumptions and analytical methodologies across asset classes as market conditions evolve
• Build new models and analytical frameworks to support entry into new asset classes
• Handle specialized or non-standard analytical requests (e.g., CDFI-related analysis)
• Contribute to internal tools and process improvements that increase team visibility, efficiency, and deal execution probability
• Communicate directly with clients to walk through analysis, answer questions on modeling and pricing, and support their decision-making on a transaction
• Partner with the Managing Director and broader LTN team on deal strategy, methodology, and market positioning
• Step in on cross-team deal support and communication with participation parties as needed

Required Qualifications

• 3–5 years of experience in loan portfolio analysis, cash flow modeling, or credit analysis, ideally across multiple asset classes
• Strong quantitative and analytical skills with sound judgment on credit risk, pricing, and structural characteristics of loan pools
• Experience with loan-level cash flow modeling tools required; familiarity with ZM Analytics specifically a plus
• Advanced Excel proficiency; SQL or other data tools a plus
• Strong understanding of fixed income and asset-liability management concepts (yield, duration, prepayment behavior, credit risk)
• Ability to independently manage multiple live transactions and communicate analysis clearly to internal stakeholders and clients
• Comfort operating with a high degree of autonomy and ownership over deal outcomes
• Bachelor’s degree in finance, economics, data science, or a related quantitative field

ALM First Statement On Diversity & Inclusion

ALM First believes deeply in equality and strongly supports diversity and inclusion. We will continue our driven dedication to financial inclusion for all Americans as we serve the clients providing critical financial resources to the communities that need them most. We are always looking at ways to challenge our diversity of thought, improve our own policies and practices to encourage diversity through the use of our designated committee.

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