Senior Capital Markets Analyst

Rate; United States; On-site; USD 110,000 - 140,000; Full time

Benefits offered by this job

401(k)

Vacation benefits

Medical, dental, vision benefits

Flexible benefits (FSA)

Life insurance

Critical care insurance

Accidental insurance

Commuter benefits

Pet insurance

Well-being programs

Job summary

Rate is a leading U.S. mortgage lender seeking a Senior Capital Market Analyst.

You will provide analytical support for capital markets, debt financing, hedging, and covenant reporting, coordinating with Asset Management, Operations, Finance and Accounting to evaluate asset-level and corporate performance. The role requires a Bachelor's degree and at least 5 years in financial modeling or real estate finance; prior investment banking/corporate banking or private equity experience is preferred,

Qualifications

• Bachelor’s Degree mandatory.
• Minimum 5 years of experience with financial modeling and/or real estate focus preferred.
• Investment banking, corporate banking, private equity, finance, and/or accounting experience preferred.
• Familiarity with real estate and infrastructure debt financing structures, including securitizations, is a plus.
• Proficiency with Microsoft Office applications (Word, PowerPoint) required.

Responsibilities

• Provide analytical support for financing-related activities, including Excel modeling, report generation, and coordination with Asset Management, Operations, Finance and Accounting teams to review and analyze asset-level and corporate financial results and operating performance metrics.
• Build underwriting and financial models to support debt financing structures and covenant analysis.
• Ensure compliance with financing agreements, including delivery of financial reporting and covenant documentation.
• Prepare and maintain debt-related documentation (offering memoranda, term sheets, financial reports).
• Manage monthly funding requests under financing agreements and related documentation.
• Track macroeconomic and market indicators that affect financing alternatives.
• Collect, synthesize, and model data to support strategic initiatives and capital allocation decisions.
• Prepare presentation materials for Senior Management, Board, investors/lenders.
• Interact with internal/external partners (financial institutions, sponsors, loan servicers, legal counsel).
• Assist with FX and interest rate risk management, hedging strategies, and monthly settlements.

Skills

Excel advanced

Microsoft Office

Analytical skills

Attention to detail

Communication skills

Organizational skills

Interpersonal skills

Problem solving

Ownership / self-starter

Financial statement literacy

Education

Bachelor's Degree

Tools

Excel

Job description

Rate is the 2nd-largest retail mortgage lender in the U.S. By offering industry-leading tools, low-rate mortgages, and unparalleled customer service, we’ve become the Home Purchase Experts®. At Guaranteed Rate, we think big – pushing beyond what most people believe is possible. We strive to work with the best of the best, building business with the best referral partners and hiring the best employees – allowing us to deliver world-class customer service. Our goal is to make sure every customer has a great experience. Headquartered in Chicago with 5,000+ employees in 300+ offices across the U.S. and licensed in all 50 states, we’ve helped thousands of homeowners with more than $37 billion in home purchase loans and refinances in just the past year alone.

Pay Range: $110,000-$140,000 annually

The Senior Capital Market Analyst will be responsible for providing analytical support for the Company’s Finance Team related to capital markets and secondary market activities, including the interpretation of actual results, analysis of actual versus forecasted results, and the ability to summarize the performance of multiple loan products. This person will also assist in managing the Company’s existing debt instruments, including debt covenant compliance and reporting and utilization of facility commitments, and executing the hedging program.

• Provide analytical support for all financing-related activities, including Excel modeling, report generation, and coordination with Asset Management, Operations, Finance and Accounting teams to review and analyze asset-level and corporate financial results and operating performance metrics, and communicate to the various lending partners.
• Build underwriting and financial models to support requirements associated with debt financing structures, including internal analysis of key metrics/terms, the impact of covenants, and deliverables to third parties.
• Work with senior members of the Capital Markets team to ensure compliance with obligations in financing agreements, including delivery of required financial reporting and covenant compliance documentation.
• Prepare and maintain debt-related documentation, including offering memoranda, term sheets, and financial reports.
• Manage monthly funding requests under financing agreements, including associated documentation requirements.
• Track macroeconomic and market-specific performance indicators that could impact consideration of financing alternatives.
• Collect, synthesize, and model data to support analysis of strategic initiatives, capital allocation, and asset management decisions.
• Assist in the preparation of presentation materials for the Company’s Senior Management Team, Board of Directors, current and/or potential investors/ lenders.
• Interact with key internal and external partners, including financial institutions, sponsors, loan servicers, legal counsel, and others.
• Assist with FX and interest rate risk management, including hedging strategies, program execution, and monthly settlements.

Education And/or Experience

• Bachelor’s Degree Mandatory.
• Minimum 5 years of experience required with financial modeling and/or real estate focus preferred.
• Investment banking, corporate banking, private equity, finance, and/or accounting experience preferred.
• Familiarity with various real estate and infrastructure debt financing structures, including securitizations, is a plus.

Skills/Specialized Knowledge

• High degree of proficiency with Excel required, including comfort and familiarity with advanced Excel functions.
• Proficiency with all Microsoft Office applications, including Word and PowerPoint, required.
• Well-developed analytical abilities, problem-solving skills, and attention to detail.
• High degree of intellectual curiosity.
• Excellent organizational skills; ability to manage multiple competing priorities and deadlines.
• Well-developed written and verbal communication skills.
• Outstanding interpersonal skills with a team-oriented mentality and ability to maintain confidentiality.
• Self-starter with a strong sense of ownership.
• Comfort and familiarity with basic finance and accounting theory, including reading and comprehending financial statements.
• Strong work ethic and commitment to operational excellence with the ability to succeed and thrive in a fast-paced environment.
• Adaptable to a changing work environment and shifting priorities.
• Ability to effectively engage employees and build relationships across the company at all levels.

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

Remote postings or Washington State job postings:

• eligibility to participate in a company-sponsored 401(k)
• vacation benefits
• eligibility for medical, dental, vision, and prescription drug benefits
• flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts)
• life insurance and death benefits
• critical care insurance
• personal accidental insurance
• commuter benefits
• pet insurance
• certain time off and leave of absence benefits
• well-being benefits (e.g., employee assistance program)
• other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources)