Capital Markets Analyst I - Warehouse Finance

Remote; San Francisco (CA); 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 is hiring for a Warehouse Lending Analyst to support the bank’s warehouse lending program and capital markets initiatives. You will analyze opportunities, assist in deal structuring, and help optimize the balance sheet through disciplined risk management.

You will collaborate with the Capital Markets team, conduct financial modeling, and contribute to ongoing controls and reporting. This role offers exposure to structured finance and a path for professional growth within a financial

Qualifications

• Bachelor's degree in Finance or related field.
• 0–2 years of experience in Warehouse Finance, Debt Capital Markets, Structured Credit, Specialty Lending or Investment Banking.
• Recent college graduates will be considered.
• Strong communication and analytical skills.

Responsibilities

• Provide analytical and operational support for the bank’s warehouse lending business.
• Lead day-to-day warehouse lending operations and reporting responsibilities including preparing advance / paydown requests and reviewing borrowing base and compliance reporting.
• Review warehouse lending term sheets and legal documentation, assess deal risk and return metrics, prepare deal approvals and presentations.
• Develop and execute controls, testing, and oversight of warehouse lending operations.
• Perform and present periodic reviews on existing warehouse lending deals.
• Identify and implement new concepts and best practices for warehouse lending reporting and risk management.
• Lead development of warehouse lending performance reporting and credit risk oversight.
• Oversee third‑party warehouse lending audits and due diligence for structured finance transactions.
• Build financial models for new and existing warehouse – structured finance transactions.
• Support CIO and Head of Capital Markets on assigned tasks.

Skills

Communication skills

Critical thinking

Attention to detail

Education

Bachelor's degree in Finance

MBA in progress or CFA a plus

Job description

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 warehouse lending and 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 warehouse lending business.
• Leads day-to-day warehouse lending operations and reporting responsibilities including preparing advance / paydown requests and reviewing borrowing base and compliance reporting.
• Assists in reviewing warehouse lending 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.
• Develops and executes ongoing controls, mitigation plans, testing, and oversight of the warehouse lending business.
• Performs and presents periodic reviews on existing warehouse lending deals.
• Identifies and implements new concepts, best practices and approaches related to warehouse lending reporting and operational & credit risk management.
• Leads the development of warehouse lending performance reporting and credit risk management oversight.
• Assists in overseeing all third‑party warehouse lending financial and operational audits.
• Assists in structured finance transaction 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.
• 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 Warehouse Finance, Debt Capital Markets, Structured Credit, Specialty Lending and or Investment Banking.
• Recent college graduates will be considered.
• 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

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.

Please click here to learn more about our benefits and review information about our Privacy Policy, affirmative Action Plan and other notices. 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]

Please click here to view Pathward's Applicant Privacy Notice.

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.