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Direct Lending Analyst Jobs in Missouri (NOW HIRING)

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VP Commercial Lending-Hybrid

California, MO · On-site

$174.30 - $278.88/hr

Reviews and presents policies to Board of Directors. * Monitor and manage portfolio performance ... Performs full and ongoing financial analysis of existing relationships. * Ensures proper loan ...

First Mid

CRA & Fair Banking Officer

Saint Louis, MO · On-site

$73K - $110K/yr

Responsible for creating; tracking; monitoring; analyzing and testing of fair lending related data ... Partners with the Director of Regulatory Compliance on investigating and responding to complaints ...

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Direct Lending Analyst information

What is a direct lending analyst?

A Direct Lending Analyst is a finance professional who evaluates, underwrites, and manages loans provided directly to borrowers, usually by non-bank lenders or private credit funds. They analyze the creditworthiness of potential borrowers, conduct due diligence, and help structure loan agreements to minimize risk. Their work supports the investment decisions of their firm by providing comprehensive financial analysis and market insights. This role is crucial in the growing private debt market, offering alternatives to traditional bank financing.

What are the main challenges a direct lending analyst faces when evaluating potential borrowers?

A key challenge for Direct Lending Analysts is accurately assessing the creditworthiness of potential borrowers, especially when dealing with limited financial information or complex business structures. Analysts must balance thorough due diligence with the need to move quickly in a competitive lending environment. Additionally, they often collaborate closely with risk, legal, and portfolio management teams to ensure loan structures are sound and compliant. Staying current on industry trends and regulatory changes is also crucial for making informed recommendations.

What are the key skills and qualifications needed to thrive as a direct lending analyst, and why are they important?

To thrive as a Direct Lending Analyst, you need strong financial analysis, credit risk assessment, and due diligence skills, typically supported by a degree in finance, accounting, or a related field. Familiarity with financial modeling tools like Excel, Bloomberg Terminal, and loan origination systems, as well as relevant certifications such as CFA, is often required. Excellent attention to detail, communication, and problem-solving abilities distinguish top performers in this role. These competencies are crucial for ensuring sound lending decisions, effective risk management, and clear stakeholder communication in a competitive financial environment.

What is the difference between Direct Lending Analyst vs Credit Analyst?

AspectDirect Lending AnalystCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; relevant certifications (e.g., CFA) often preferredBachelor's degree in finance, accounting, or related; certifications like CFA or CPA beneficial
Work EnvironmentFinancial institutions, private lenders, or investment firms; focus on loan origination and underwritingBanks, credit agencies, or lending institutions; focus on assessing creditworthiness
Employer & Industry UsageUsed in private lending, alternative finance, and direct loan providersCommon in banking, credit reporting, and lending sectors

While both roles involve financial analysis, a Direct Lending Analyst primarily focuses on originating and underwriting loans for private lenders, whereas a Credit Analyst assesses credit risk for various lending institutions. The roles share similar credentials and work environments but differ in their specific functions within the lending process.

What are popular job titles related to Direct Lending Analyst jobs in Missouri?

For Direct Lending Analyst jobs in Missouri, the most frequently searched job titles are:

What job categories do people searching Direct Lending Analyst jobs in Missouri look for?

The top searched job categories for Direct Lending Analyst jobs in Missouri are:

What cities in Missouri are hiring for Direct Lending Analyst jobs?

Cities in Missouri with the most Direct Lending Analyst job openings:

Direct Lending Analyst jobs near you
Infographic showing various Direct Lending Analyst job openings in Missouri as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 14% Part Time, and 8% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution.

Systems Analyst - Consumer Lending

Kansas City, MO • On-site

Commerce Bank
See more jobs at Commerce Bankexternal

$26.70 - $46.40/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 2 days ago

Job description

About Working at Commerce
Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.
Compensation Range
Hourly: $26.70 - $46.40 (Amount based on relevant experience, skills, and competencies.)
About This Job
The main purpose of this job is to serve as the technical liaison between the consumer lending lines of business (Indirect and Direct Lending Non-Real Estate), internal support teams, information technology and external vendors, to develop and define business and technical requirements, deliver system solutions in response to business initiatives and to troubleshoot and resolve technical system related issues.
Essential Functions
  • Provide operational readiness through daily monitoring, maintenance, and support of critical company systems and service providers, supporting multiple lines of business across Lending Systems
  • Support in identifying problem trends and make recommendations for improvement /solution to management, such as system parameter changes, configuration and troubleshooting of terminal, PC, and mainframe based digital software/hardware products, and implementation of new or modification of existing data interfaces between service providers and clients
  • Administer system change controls and maintain system access in test and production environments by adhering to policies/procedures and documenting all changes to include updating exiting options not limited to terms, disclosures, and user access administration
  • Support, monitor, and evaluate system activity and performance, complete quality assurance checks, provide client training, supply ad-hoc reporting through database manipulation
  • Identify and document business and testing requirements for defined projects; translate requirements into specifications for technical project members and perform process improvement analysis
  • Serve as a liaison between internal clients, IT, and external vendors as well as participating in projects to implement technical business solutions
  • Follow system-oriented procedures
  • Perform other duties as assigned

Knowledge, Skills & Abilities Required
  • Basic knowledge of mainframe and web-based processing applications, technical concepts, and terminology
  • Basic knowledge of Business Objects preferred
  • Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standards exist
  • Ability to apply basic algebra to calculate figures and amounts such as interest and percentages
  • Ability to represent Commerce with external vendors
  • Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
  • Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
  • Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
  • Basic level proficiency with Microsoft Word, Excel, Outlook & Teams

Education & Experience
  • High School Diploma or equivalent combination of education and experience required. Associate's degree preferred
  • System analysis, operations or technical project management related work experience required

Hybrid Schedule: In office 2 days per week
*Must be eligible to work in the US without sponsorship now or in the future
**Level of role is determined by knowledge, experience, skills, abilities, and education
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Systems Analyst I, II, III & Senior - Consumer Lending job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $26.70 to $46.40 per hour.
#LI-MC1
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 811 Main St, Kansas City, Missouri 64105
Time Type:
Full time

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