Lender Finance - Structured Credit Analyst
Ally
New York, NY; Bethesda, MDPosted Discovered via the company's careers siteMatch locked
RemoteFull time1+ years exp
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Ally and Your Career
Ally 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.
Duties
This 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.
- Support 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 Bring
- 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 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 Qualifications
- 1+ years of experience
- High school Diploma or GED equivalent
Who 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 hrpolicy@ally.com with details of your accommodation request.
Not included in the source posting: what you'll do, benefits.
Skills
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