Lender Finance - Structured Credit Analyst

Ally•Bethesda, MD

About The Position

The Analyst will join Ally Financial’s Lender Finance team and support the management of financing facilities provided to private credit funds, business development companies, specialty finance companies, and other alternative asset managers. The role offers exposure to portfolio management, credit underwriting, and deal execution, working closely with experienced professionals across the platform. It provides an opportunity to develop expertise in private credit, fund finance, asset-based lending, and structured credit through ongoing portfolio oversight and new transaction originations. The role can be located in Ally’s New York City or Bethesda, Maryland office. Work arrangements may be fully on-site, hybrid, or fully remote; the hiring manager will discuss the specific requirements during hiring, and requirements may change based on business needs.

Requirements

At least 1 year of experience.
High school diploma or GED equivalent.
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 desire to develop expertise in private credit, fund finance, and structured lending markets.
Sound judgment, accountability, and 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.

Nice To Haves

Bachelor’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.
Experience with financial modeling, database tools, data visualization platforms, programming languages, or AI-enabled analytical tools.

Responsibilities

Support portfolio management, credit monitoring, and risk oversight of warehouse and back-leverage facilities.
Review monthly borrowing bases, collateral reporting, compliance certificates, financial statements, amendment requests, and new collateral eligibility for compliance with facility requirements.
Analyze underlying loan portfolios, including collateral composition, borrower performance, leverage, and other credit metrics.
Review loan tapes and calculate borrowing base availability using eligibility criteria, collateral value adjustments, advance rates, concentration limits, reserves, and minimum equity requirements.
Prepare periodic portfolio reviews and risk assessments covering facility performance, portfolio trends, emerging risks, and recommended actions.
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 changing credit environments.
Conduct transaction due diligence by reviewing financial statements, investment memoranda, underlying credit agreements, portfolio performance data, servicing procedures, and third-party diligence reports.
Prepare investment approval materials describing 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 portfolio management and transaction execution.
Use data, technology, and AI-enabled tools to improve loan-tape analysis, portfolio monitoring, underwriting efficiency, and reporting.