Capital Markets Analyst I

Capital Markets Analyst

Pathward is a hybrid, remote-office company dedicated to growing talent anywhere. We have onsite locations in Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, and Easton, PA. Our purpose is to create financial inclusion for all™, working with innovators to increase financial availability, choice, and opportunity. We strive to remove barriers to financial access and promote economic mobility.

We are a team of problem solvers and innovators who celebrate our differences and unique perspectives. We embrace our team members through our *HUMBLE*HUNGRY*SMART approach and value the voices of our employees, customers, partners, and communities.

About the Role

Contribute to identifying, evaluating, and achieving strategic business opportunities through new Capital Markets structured finance initiatives to optimize the bank’s balance sheet and improve financial performance.

What You Will Do

• Provides analytical and operational support in managing the bank’s Capital Markets initiatives.
• Assists in the evaluation, structuring, and execution of potential new Capital Markets structured finance opportunities including securitization, whole loan sales, and forward flow agreements.
• Assists in reviewing Lender Finance / Warehouse term sheets and legal documentation, assessing deal risk and return metrics, preparation of deal approval write-ups, and presentations to the bank’s Executive Credit Committee.
• Assists with day-to-day warehouse lending operations including preparing advance/paydown requests and reviewing borrowing base and compliance reporting.
• Develops and executes ongoing controls, mitigation plans, testing, and oversight of the warehouse lending business.
• Identifies and implements new concepts, best practices, and approaches related to Capital Markets reporting and operational & credit risk management.
• Assists in overseeing all third-party Capital Markets financial and operational audits.
• Assists in overseeing all Capital Markets due diligence, financial modeling, risk management, and legal documentation.
• Works in a collaborative environment to perform detailed financial analysis and assist in building complex transaction models for new and existing warehouse – structured finance transactions.
• Supports the Chief Investment Officer and Head of Capital Markets in other assigned tasks related to the Bank’s Structured Finance Business.
• Other duties as assigned.

What You Will Need

• Bachelor's degree in Finance or related field or equivalent education and work experience.
• Up to 2+ years of experience with a bachelor's or equivalent.
• Communication skills (verbal and written)
• Critical thinking skills
• Attention to detail

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary Range

$60,000 – $100,500 annually. This range reflects the target for a new hire and will be determined by factors such as experience, qualifications, skills, and location. Your recruiter can provide location-specific details. Ranges are subject to modification.

This role is eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly, we encourage you to apply anyway. You may be the right candidate for this or other Pathward roles.

Pathward is an equal employment opportunity employer and considers candidates without regard to race, sex, national origin, ethnicity, age, disability, or any other category protected by law.

Who We Are

Our commitment to inclusion is woven into our DNA. We believe we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence, or any other category protected by federal, state, and local laws.

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Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification, termination of employment, and forfeiture of other rights.

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Key skills/competency

• Capital Markets Analysis
• Structured Finance
• Financial Modeling
• Risk Management
• Due Diligence
• Securitization
• Warehouse Lending
• Financial Analysis
• Credit Risk
• Executive Presentations