Lender Finance - Structured Credit Analyst (Bethesda)

Ally•Bethesda, MD

12d•$65,000 - $115,000

About The Position

The Analyst will join Ally's Lender Finance team and support 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 provides exposure to portfolio management, credit underwriting, and deal execution, working with experienced professionals across the platform. The Analyst will build 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 NYC or Bethesda, MD office. Work arrangement requirements will be discussed during the hiring process and may change based on leader discretion or business need.

Requirements

Bachelor's degree in Finance, Accounting, Economics, Business Analytics, or a related field.
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 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 with colleagues across originations, portfolio management, credit, legal, operations, and capital markets teams.
Proficiency in Microsoft Excel and Word.

Nice To Haves

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 on 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 fund and borrower financial statements, investment memoranda, underlying credit agreements, portfolio performance data, servicing procedures, and third-party diligence reports.
Prepare investment approval materials explaining 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 processes.

Benefits

Market-competitive base pay and performance-based incentives, including eligibility for an annual incentive plan.
At least 20 paid time off days, 11 paid holidays, and 8 hours of annual volunteer time off; time off is prorated and programs vary by full- or part-time status and management level.
401(k) retirement savings plan with matching and company contributions.
Student loan pay-down and 529 education savings assistance programs.
Tuition reimbursement.
Employee stock purchase plan.
Financial learning center and financial coach access.
Medical, dental, vision, life, short- and long-term disability, Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident, and hospital indemnity insurance options.
Total well-being program supporting physical, social, emotional, and financial well-being.
Adoption, surrogacy, and fertility assistance.
Paid parental and caregiver leave.
Dependent Day Care FSA, backup child and adult/elder care days, and childcare discounts.
Employee Assistance Program.
Subsidized and discounted Weight Watchers program and other employee discount programs.
Depending on the role, potential travel allowances, relocation assistance, signing bonus, and/or equity.