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Direct Lending Jobs in Austin, TX (NOW HIRING)

Abrigo

Senior Consultant

Austin, TX · On-site +1

The Senior Consultant - Lending & Credit is a key role within the Advisory Services team reporting to the Director of Lending and Credit Advisory services, focused on providing expert guidance to ...

AgFirst

Sr Credit Officer I - Power & Crops

Austin, TX · On-site

The role supports association relationship management, direct and OFI lending program evaluation, and development of lending practices and operating procedures, while contributing industry, peer ...

Abrigo

Senior Consultant

Austin, TX · On-site +1

The Senior Consultant - Lending & Credit is a key role within the Advisory Services team reporting to the Director of Lending and Credit Advisory services, focused on providing expert guidance to ...

Sageworks

Senior Consultant

Austin, TX · On-site +1

The Senior Consultant - Lending & Credit is a key role within the Advisory Services team reporting to the Director of Lending and Credit Advisory services, focused on providing expert guidance to ...

Visio Lending

Associate General Counsel

Austin, TX · On-site

$180 - $280/hr

Visio Lending does not accept unsolicited resumes or services from third-party recruitment agencies ... Direct the Company's default servicing, litigation, foreclosure, and bankruptcy strategy, including ...

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All JobsDirect Lending JobsDirect Lending Jobs in Austin, TX

Direct Lending information

See Austin, TX salary details

$10.9K

$83.3K

$138.3K

How much do direct lending jobs pay per year?

As of Sep 6, 2026, the average yearly pay for direct lending in Austin, TX is $83,297.00, according to ZipRecruiter salary data. Most workers in this role earn between $60,500.00 and $123,900.00 per year, depending on experience, location, and employer.

What is direct lending?

A Direct Lending job involves evaluating, originating, and managing loans provided directly to businesses or individuals without intermediaries like banks. Professionals in this field assess credit risk, structure loan terms, and ensure compliance with financial regulations. Roles can vary from credit analysis to portfolio management, focusing on providing customized financing solutions. Strong analytical skills, financial modeling, and an understanding of market trends are essential for success in this field.

What does a direct lending professional do?

A typical day in Direct Lending involves conducting due diligence on potential borrowers, analyzing financial statements, structuring loan terms, and preparing credit memos for approval. Team members often collaborate closely with credit committees, relationship managers, and legal specialists to ensure seamless deal processing and compliance with internal policies. Regular communication with clients is also a key aspect, as it helps address borrower inquiries and manage ongoing relationships. While the workflow can be dynamic, strong organization and prioritization skills help professionals stay on top of multiple concurrent transactions.

What skills and qualifications are needed for direct lending?

To thrive in Direct Lending, you need a solid understanding of credit analysis, financial structuring, and underwriting, often supported by a degree in finance, business, or a related field. Familiarity with loan origination systems, financial modeling software, and regulatory compliance requirements is typically expected. Strong interpersonal skills, attention to detail, and effective negotiation abilities are crucial for building client relationships and managing transactions. These competencies ensure accurate risk assessment, efficient deal execution, and successful portfolio management in a competitive lending environment.

How to get a job in direct lending?

To get a job in direct lending, candidates typically need a bachelor's degree in finance, economics, or a related field, along with strong analytical and communication skills. Relevant experience in banking, credit analysis, or financial services can improve chances, and certifications like the CFA or credit-specific training may be beneficial. Applying through financial institutions, networking, and demonstrating knowledge of lending processes are key steps.

What do direct lenders do?

Direct lenders provide loans directly to borrowers without intermediaries, often offering personal, business, or mortgage loans. They evaluate applicants' creditworthiness, set loan terms, and handle the approval process, typically using financial analysis and underwriting skills.
Direct Lending jobs near you
Infographic showing various Direct Lending job openings in Austin, TX as of August 2026, with employment types broken down into 100% Full Time. Highlights an 80% In-person, and 20% Hybrid job distribution, with an average salary of $83,297 per year, or $40 per hour.

Sr Credit Officer I - Power & Crops

Farm Credit Services

Austin, TX • On-site

$85 - $120/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 2 days ago

Job description

Farm Credit Bank of Texas is a $42.2 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states and are active in the nation’s capital markets. We play a critical role in supporting the businesses that maintain access to an affordable and safe food supply, an industry that is innovative and evolving.

Position Summary

The Sr. Credit Officer I provides senior‑level credit analysis, underwriting, and portfolio servicing support for assigned participation accounts and offerings. Responsibilities include evaluating complex commercial and agricultural credits, exercising delegated lending authority where authorized, and preparing recommendations for matters requiring higher approval. The role supports association relationship management, evaluates direct and other financing institution lending programs, and contributes industry, peer group, and portfolio analysis to inform credit decision‑making, portfolio risk management, and bank lending strategy.

Responsibilities
  • Perform financial analysis, credit administration, portfolio monitoring, and due diligence on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders.
  • Act on association official loans, excess loans, prior approval loans, and loan servicing actions within delegated authority and prepare recommendations for loan committee consideration on transactions exceeding delegated authority.
  • Interpret, communicate, and provide guidance to associations regarding sound lending practices, credit expectations, and applicable lending procedures.
  • Interpret and address legal, title, and related issues that arise in connection with assigned loans and credit relationships.
  • Assist in developing and administering lending programs and in revising operating procedures related to lending operations.
  • Assist management in evaluating the Bank’s direct lending and other financing institution lending programs.
  • Assist district associations in the development and closing of complex loans through credit analysis, structuring input, and negotiation support.
  • Develop loan participation and correspondent banking relationships with other lenders and manage and supervise assigned participation loan relationships in accordance with supervisory direction.
  • Prepare industry analysis, peer group analysis, portfolio analysis, and other special project work as assigned.
  • Assist other Bank personnel in completing coordinated projects as assigned.
Qualifications Required
  • Bachelor’s degree in agricultural economics, finance, business administration, or another related business field, or commensurate experience.
  • Seven to ten plus years of experience in all facets of lending, including marketing, extension, administration, and analysis of commercial credits and agricultural production loans.
  • Experience analyzing complex credits and negotiating and administering large loans over five million dollars.
  • Experience working with management and senior loan officers of other financial institutions in structuring and evaluating official loans, excess loans above delegated authorities, loan participations, and direct loan or correspondent lending relationships.
  • Demonstrated expertise in credit administration, financial analysis, loan analysis software, accounting standards, credit policies, and lending procedures.
Preferred
  • Experience supporting lending program development, operating procedure revision, and portfolio analysis within a regulated financial services environment.
  • Experience working with agricultural production loans, mortgage loans, and complex commercial credits.
  • Experience developing correspondent banking and loan participation relationships.
  • Demonstrated ability to provide guidance to associations and to support complex loan structuring and negotiations.

Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.

Benefits
  • Competitive salary.
  • Flexible health‑and‑wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flex spending accounts, and more.
  • 401(k) plan with immediate vesting of a generous employer match and additional employer contribution.
  • Long‑term disability and life insurance.
  • Vacation leave, sick leave, and paid holidays.
  • Fertility benefit and parental leave plan.
  • Two days per year to volunteer in local community organizations, services, or events.
  • Ongoing professional‑development opportunities.
  • Generous tuition‑reimbursement program.
  • Physical fitness incentive plan.
  • Employer matching gifts program.
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