Capital Markets Analyst I
Pathward Financial, Inc., Louisville, KY, United States
We are a hybrid, remote‑office company dedicated to growing our talent anywhere!
We have onsite locations in: Sioux Falls, SD; Scottsdale, AZ; Louisville, KY; Troy, MI; Franklin, TN; Easton, PA.
At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.
We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.
We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high‑quality financial products.
We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well‑positioned for success.
We celebrate, and embrace, our team members through our
*HUMBLE*HUNGRY*SMART
approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
About the Role Contribute to efforts to identify, evaluate and achieve strategic business opportunities through new Capital Markets structured finance initiatives in order to optimize the bank’s balance sheet and improve the company’s 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, preparing 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 degree or equivalent.
Strong communication skills (verbal and written).
Critical thinking skills.
Salary range: $60,000 – $100,500.
The salary range reflects the minimum and maximum target for a new hire in this role.
Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location.
Your recruiter can share more about the specific salary for your location during the hiring process.
Ranges may be modified in the future.
This role is also eligible for an annual performance‑based incentive opportunity.
Pathward offers a comprehensive benefits package for eligible employees, 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 to everything in the posting, we encourage you to apply anyway.
You may be just the right candidate for this or other Pathward roles.
Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Equal Employment Opportunity 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 (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 class protected by federal, state, and local laws.
For applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws.
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 for consideration of future positions, termination of employment and forfeiture of other rights.
Interested in building your career at Pathward, N.A.? Get future opportunities sent straight to your email.
#J-18808-Ljbffr
We have onsite locations in: Sioux Falls, SD; Scottsdale, AZ; Louisville, KY; Troy, MI; Franklin, TN; Easton, PA.
At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.
We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.
We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high‑quality financial products.
We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well‑positioned for success.
We celebrate, and embrace, our team members through our
*HUMBLE*HUNGRY*SMART
approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
About the Role Contribute to efforts to identify, evaluate and achieve strategic business opportunities through new Capital Markets structured finance initiatives in order to optimize the bank’s balance sheet and improve the company’s 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, preparing 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 degree or equivalent.
Strong communication skills (verbal and written).
Critical thinking skills.
Salary range: $60,000 – $100,500.
The salary range reflects the minimum and maximum target for a new hire in this role.
Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location.
Your recruiter can share more about the specific salary for your location during the hiring process.
Ranges may be modified in the future.
This role is also eligible for an annual performance‑based incentive opportunity.
Pathward offers a comprehensive benefits package for eligible employees, 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 to everything in the posting, we encourage you to apply anyway.
You may be just the right candidate for this or other Pathward roles.
Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Equal Employment Opportunity 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 (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 class protected by federal, state, and local laws.
For applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws.
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 for consideration of future positions, termination of employment and forfeiture of other rights.
Interested in building your career at Pathward, N.A.? Get future opportunities sent straight to your email.
#J-18808-Ljbffr