Capital Markets Analyst I – Loan Trading

Pathward, N.A.; Sioux Falls (SD); Hybrid; USD 60,000 - 101,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, N.A. is seeking a Capital Markets Analyst I to support the development and execution of the Whole Loan Trading platform. You will work across structured finance transactions, securitizations, and off-balance-sheet funding with top banks and investors.

Ideal candidates have 0–2 years in related fields, strong communication, and analytical skills. This role offers a hybrid remote-work model with competitive salary and benefits. Salary range reflects entry to mid-level responsibilities.

Qualifications

• Bachelor's degree in Finance or related field.
• MBA and/or CFA a plus.
• 0–2 years of experience in Whole Loan Acquisitions / Divestitures, Debt Capital Markets, Structured Finance, Specialty Lending and/or Investment Banking.
• Recent College graduates will be considered.
• Outstanding communication skills and ability to articulate investment merits to potential capital partners.
• Communication skills (verbal and written).
• Critical thinking skills.

Responsibilities

• Assist in building and leading the bank’s Capital Markets Whole Loan Trading platform.
• Provide analytical and operational support in managing the bank’s Secondary Whole Loan Trading business.
• Lead day-to-day Loan Trading operations and reporting responsibilities.
• Assist in evaluation, structuring and execution of potential new Capital Markets structured finance transactions including securitization, whole loan sales and forward flow agreements.
• Assist in driving execution with top investment banks, insurance companies, hedge funds, credit funds and private institutional investors to fund off balance sheet assets.
• Assist in developing and enhancing relationships with capital sources, institutional investors, rating agencies and law firms.
• Prepare investor due diligence information to position Pathwards assets in the Capital Markets.
• Design, build and scale the operational framework for the banks Whole Loan Trading platform.
• Assist the Capital Markets Data Analytics team in developing financial models relating to asset performance and pricing.
• Manage day-to-day communication and due diligence requests from capital market partners.
• Develop and maintain investor reporting requirements, surveillance, internal dashboard reporting and Monthly Business reviews.
• Develop and update marketing material for prospective investors.
• Create and maintain investor databases and transaction comparables.
• Identify and implement new concepts, best practices and approaches related to Capital Markets reporting and operational & credit risk management.
• Assist in overseeing all third-party Capital Markets financial and operational audits.
• Support the Chief Investment Officer and Head of Capital Markets in other assigned tasks.
• Other duties as assigned.

Skills

Communication

Verbal and written

Critical thinking

Education

Bachelor's degree in Finance or related field

MBA or CFA a plus

Job description

Capital Markets Analyst I – Loan Trading

Remote

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 area 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*SMARTapproach, 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:

Responsible for assisting in building the Capital Markets Whole Loan Trading platform and for developing, structuring and executing strategic transactions through new Capital Markets – Structured Finance initiatives in order to optimize the bank’s balance sheet and to improve the company’s financial performance.

What You Will Do:

• Assist in building and leading the bank’s Capital Markets Whole Loan Trading platform.
• Provides analytical and operational support in managing the bank’s Secondary Whole Loan Trading business.
• Leads day-to-day Loan Trading operations and reporting responsibilities.
• Assist in the evaluation, structuring and execution of potential new Capital Markets structured finance transactions including securitization, whole loan sales and forward flow agreements.
• Assist in driving execution with top investment banks, insurance companies, hedge funds, credit funds and private institutional investors to fund off balance sheet assets.
• Assist in developing and enhancing relationships with capital sources, institutional investors, rating agencies and law firms.
• Prepare investor due diligence information to position Pathwards assets in the Capital Markets.
• Responsible for designing, building and scaling the operational framework for the banks Whole Loan Trading platform.
• Assist the Capital Markets Data Analytics team in developing financial models relating to asset performance and pricing.
• Manage day-to-day communication and due diligence requests from capital market partners.
• Develop and maintain investor reporting requirements, surveillance, internal dashboard reporting and Monthly Business reviews.
• Develop and update marketing material for prospective investors.
• Create and maintain investor databases and transaction comparables.
• Identify and implement new concepts, best practices and approaches related to Capital Markets reporting and operational & credit risk management.
• Assist in overseeing all third-party Capital Markets financial and operational audits.
• Support the Chief Investment Officer and Head of Capital Markets in other assigned tasks.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree in Finance or related field
• Working towards an MBA and or CFA a plus
• 0 – 2 years of experience in Whole Loan Acquisitions / Divestitures, Debt Capital Markets, Structured Finance, Specialty Lending and / or Investment Banking.
• Recent College graduates will be considered.
• Outstanding communication skills and ability to articulate investment merits to potential capital partners
• Communication skills (verbal and written)
• Critical thinking skills

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

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.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that 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 (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.

Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – [e-mail]

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.