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Direct Lending Analyst Jobs (NOW HIRING)

Banc of California

Warehouse Lending Analyst

Santa Ana, CA · On-site

$21.39 - $32.21/hr

... financial analysis according to Warehouse Lending financial requirements. * Write up credit ... Assists SVP Directors of Operations, Business Development Team during quarter end and year end ...

Career Launch AI

Private Credit Analyst

Manhattan, NY

$140K - $185K/yr

Actual openings may vary depending on employer focus, including direct lending, syndicated loans ... Analysts collaborate closely with lenders, portfolio managers, and risk teams to evaluate ...

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Direct Lending Analyst information

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$33K

$76.3K

$124K

How much do direct lending analyst jobs pay per year?

As of Sep 13, 2026, the average yearly pay for direct lending analyst in the United States is $76,273.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $90,000.00 per year, depending on experience, location, and employer.

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.

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Direct Lending Analyst jobs near you
Infographic showing various Direct Lending Analyst job openings in the United States as of September 2026, with employment types broken down into 2% As Needed, 77% Full Time, 14% Part Time, and 7% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $76,273 per year, or $36.7 per hour.

Community Reinvestment Act (CRA) and Fair Lending Analyst

Hauppauge, NY • On-site

Dime Community Bank
Commercial Banking • 501 - 1,000 employees
Learn more about Dime Community Bankexternal

$60K - $80K/yr

Full-time

Posted 25 days ago

Key responsibilities

  • Gather and verify data related to CRA and Fair Lending activities, ensuring accuracy and quality control.

  • Oversee the management, validation, and submission of CRA-related loan applications and reports to regulators.

  • Analyze CRA and Fair Lending data to create performance reports, assess compliance, and identify trends or disparities.

Job description

Summary: Dime Commercial Bank (Dime) is currently hiring for a Community Reinvestment Act (CRA) and Fair Lending Analyst at its Headquarters in Hauppauge, Long Island. The CRA and Fair Lending Analyst is responsible for gathering data from primary and secondary data sources, ensuring the accuracy of transaction documentation, and developing as well as validating management reports. The role will also involve overseeing CRA data sources, which includes the validation of CRA eligible activities, the creation of analytic reports, and the management of data quality control measures. Great entry into the CRA field.
Salary commensurate with experience, ranging from $60,000 to $80,000 annually. The exact compensation may vary based on relevant experience, skills, education, training, licensure and certifications, and location.
All applicants must attach a recent resume. This is NOT a remote role.
Responsibilities:
    • Support implementation and administration of all aspects of the Bank's CRA Program designed to ensure that the Bank complies with technical and substantive provisions of the CRA and Fair Lending laws and regulations.
    • Oversight and verification of NYS Part 76 reporting from data collection, monitoring, and reporting processes for all finalized commercial loan applications.
    • Oversee management, validation, and submission of Community Development, HMDA, and CRA Small Business loan applications (LAR) to regulators.
    • Analyze Community Development, HMDA, and CRA Small Business loan applications to create CRA performance reports for Lending by leveraging CRA software.
    • Utilize CRA software to assess Fair Lending performance, identify trends, and uncover disparities related to protected characteristics or geographic and income factors.
    • Review community development loans, investments, grants, and services for CRA eligibility.
    • Ensure accurate data collection and participate in data quality control process for CRA reporting and examinations.
    • Collaborate with business lines and operations to ensure data accuracy and documentation of CRA eligible activities.
    • Participate in CRA compliance self-evaluations and assist lines of business in monitoring CRA performance including site closure and opening assessments.
    • Organize and maintain community service events from inception to completion.
    • Assist with examination preparation.
    • Perform special projects and additional duties and responsibilities as assigned by Director of CRA and Fair Lending.

Qualifications:
  • Strong analytical skills with ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy.
  • Knowledge and experience in CRA and financial services industry a plus.
  • Knowledge and understanding of the Community Reinvestment Act with experience in CRA data management or compliance a plus.
  • Strong PC skills (Word, Excel, Power Point) and navigation of Internet.
  • Strong organization and ability to track projects, requests, and reporting requirements.
  • General to working knowledge of banking industry and services. Knowledge of residential lending a plus.
  • Strong ability to coordinate multiple projects.
  • Strong written and verbal communication skills.
  • Business acumen and commitment to profitably serving low and moderate-income clients and neighborhoods in innovative ways.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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