Capital Markets Analyst
Ternus Lending, LLC, Whitehall, NY, United States
Welcome to Ternus, where our foundation is built on a simple yet transformative idea: a lending company created by investors, for investors. In the dynamic world of real estate investment, we saw a gap – a need for a lender who not only provides funds but understands the journey, challenges, and aspirations of fellow investors. That’s where our story begins.
Capital Markets Analyst Department: Capital Markets / Finance
Role Summary The Capital Markets Analyst is an entry‑level role focused on data management, reporting, and administrative support for the firm’s loan sale operations. Working under direct supervision, this role helps prepare loan packages for sale, maintain data accuracy, tracks execution workflows, and supports basic reporting needs. This position requires solid Excel skills, strong attention to detail, and the ability to learn quickly in a fast‑paced lending environment.
Key Responsibilities Data Preparation & Quality Control
Gather and organize loan data for potential sales and financing, including:
Whole Loan Sales
Fractional sales / leveraged participation
Hold vs sell recommendations based on capital efficiency
Prepare loan tapes and data files for senior team review
Run data quality checks and flag inconsistencies
Track execution outcomes and turnaround time by partner
Pricing, Profitability & Capital Efficiency Analytics
Maintain recurring reports and pipeline inventory and sale‑ready loans
Pull data and create summaries to support senior team analysis
Assist in analyzing gain‑on‑sale and margin impacts
Liquidity and velocity considerations
Concentration and risk constraints
Capital recycling and funding capacity
Loan Tape & Collateral Package Preparation
Prepare loan tapes and collateral summaries for investors and partners
Verify loan data accuracy across key fields such as product type, rate, term, lien position, LTV/LTC/ARV and DSCR, geography, property type, borrower concentration, status milestones (funded, cleared for sale, payoff risk, extensions)
Identify common data errors/bottlenecks and provide suggestions for improvement
Transaction Support & Operational Coordination
Support daily operation workflow including bid tracking and comparisons
Due diligence requests and data pulls
Settlement tracking and status updates
Coordinate with internal teams (Sales, Underwriting, Closing, Servicing, Accounting) to expedite data issues and keep execution timelines on track
Process Improvement
Identify recurring bottlenecks, data gaps, and execution inefficiencies
Develop understanding of loan sale processes and capital markets operations
Support standardization of templates, reporting formats, and process documentation
Ask questions and seek feedback to expedite the learning curve
Required Qualifications
Bachelor’s degree in Finance, Economics, Accounting, or a related field (required)
0–2 years of experience in financial analysis, lending, capital markets, private credit, banking, or a similar analytical role
Solid proficiency in Excel (pivot tables, XLOOKUP/VLOOKUP, SUMIFS, data validation; comfort working with large datasets)
Strong attention to detail
Eagerness to learn and grow in capital markets and lending operations
Compensation Range $65,000–$85,000
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Capital Markets Analyst Department: Capital Markets / Finance
Role Summary The Capital Markets Analyst is an entry‑level role focused on data management, reporting, and administrative support for the firm’s loan sale operations. Working under direct supervision, this role helps prepare loan packages for sale, maintain data accuracy, tracks execution workflows, and supports basic reporting needs. This position requires solid Excel skills, strong attention to detail, and the ability to learn quickly in a fast‑paced lending environment.
Key Responsibilities Data Preparation & Quality Control
Gather and organize loan data for potential sales and financing, including:
Whole Loan Sales
Fractional sales / leveraged participation
Hold vs sell recommendations based on capital efficiency
Prepare loan tapes and data files for senior team review
Run data quality checks and flag inconsistencies
Track execution outcomes and turnaround time by partner
Pricing, Profitability & Capital Efficiency Analytics
Maintain recurring reports and pipeline inventory and sale‑ready loans
Pull data and create summaries to support senior team analysis
Assist in analyzing gain‑on‑sale and margin impacts
Liquidity and velocity considerations
Concentration and risk constraints
Capital recycling and funding capacity
Loan Tape & Collateral Package Preparation
Prepare loan tapes and collateral summaries for investors and partners
Verify loan data accuracy across key fields such as product type, rate, term, lien position, LTV/LTC/ARV and DSCR, geography, property type, borrower concentration, status milestones (funded, cleared for sale, payoff risk, extensions)
Identify common data errors/bottlenecks and provide suggestions for improvement
Transaction Support & Operational Coordination
Support daily operation workflow including bid tracking and comparisons
Due diligence requests and data pulls
Settlement tracking and status updates
Coordinate with internal teams (Sales, Underwriting, Closing, Servicing, Accounting) to expedite data issues and keep execution timelines on track
Process Improvement
Identify recurring bottlenecks, data gaps, and execution inefficiencies
Develop understanding of loan sale processes and capital markets operations
Support standardization of templates, reporting formats, and process documentation
Ask questions and seek feedback to expedite the learning curve
Required Qualifications
Bachelor’s degree in Finance, Economics, Accounting, or a related field (required)
0–2 years of experience in financial analysis, lending, capital markets, private credit, banking, or a similar analytical role
Solid proficiency in Excel (pivot tables, XLOOKUP/VLOOKUP, SUMIFS, data validation; comfort working with large datasets)
Strong attention to detail
Eagerness to learn and grow in capital markets and lending operations
Compensation Range $65,000–$85,000
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