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About the Role

This role offers a unique opportunity to work at the intersection of alternative investments, credit risk, and high‑net‑worth lending, supporting the growth of innovative lending solutions. We are seeking an Alternative Investment Lending Analyst to support the underwriting, collateral review, and ongoing risk assessment of loans secured by non‑traditional and illiquid assets. This role will focus on evaluating alternative investment collateral—including private company stock, alternative investment funds, and structured notes—and supporting credit decisions for high‑net‑worth borrowers. The analyst will work closely with credit, risk, legal, and product partners to assess collateral eligibility, inform advance rates, and support the development of scalable underwriting and monitoring frameworks for alternative asset‑backed lending programs.

Responsibilities

Analyze and assess alternative investment collateral, including private equity, private credit, real assets, and other alternative investment funds, structured notes and other complex structured products, and private, restricted, or closely‑held stock.
Review offering documents (e.g., PPMs, subscription agreements, indentures) to evaluate asset structure, liquidity, leverage, and valuation methodology, transfer restrictions, pledgeability, and control considerations, and sponsor quality and governance features.
Provide written credit analysis on alternative investment collateral.
Support underwriting of high‑net‑worth borrowers, including analysis of borrower liquidity, net worth, and repayment capacity, concentration risk and portfolio diversification.
Assist in determining appropriate advance rates and risk mitigants based on asset volatility and liquidity, and borrower strength and overall collateral mix.
Support post‑origination monitoring of alternative collateral, including periodic valuation reviews, sponsor or structure changes, and concentration and exposure tracking.

Requirements

5+ years of experience in one or more of the following: Alternative investment analysis (PE, private credit, real assets, hedge funds), Credit underwriting or risk management, Wealth management, private banking, or HNW lending.
Hands‑on experience reviewing alternative investment structures and documentation.
Familiarity with lending to high‑net‑worth borrowers and assessing borrower financial strength.
Strong understanding of alternative asset liquidity, valuation, and risk characteristics, and credit fundamentals and underwriting principles.
Ability to synthesize complex legal and financial documents into clear risk assessments.
Strong written and verbal communication skills, particularly for credit memos and stakeholder discussions.
Detail‑oriented with sound judgment in evaluating non‑standard risks.
Exposure to collateralized lending or asset‑backed credit.
CFA designation or progress toward CFA (a plus, not required).

Skills

Alternative investment analysis
Credit underwriting
Risk management
Wealth management
Private banking
HNW lending
Alternative investment structures
Alternative investment documentation
Lending to high-net-worth borrowers
Borrower financial strength assessment
Alternative asset liquidity
Alternative asset valuation
Alternative asset risk characteristics
Credit fundamentals
Underwriting principles
Synthesizing complex legal and financial documents
Risk assessment
Written communication
Verbal communication
Credit memos
Stakeholder discussions
Detail-oriented
Sound judgment
Non-standard risk evaluation
Collateralized lending
Asset-backed credit

Location

Listed areas

Work Type

Hybrid
M-F during standard business hours

Experience Level

5+ years

Education Level

CFA designation or progress toward CFA (a plus, not required)

About the Company

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

Equal Opportunity

Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.