Senior VP, Capital Markets & Liquidity Strategy

Vibrant-Credit-Union; Moline (IL); On-site; USD 240,000 - 320,000; Full time

Job summary

Vibrant-Credit-Union in Moline, IL seeks an SVP, Capital Markets to lead strategy and execution that converts loan production into liquidity and balance-sheet flexibility. You will integrate loan sales, pricing, hedging, investor relationships, subservicing, and servicing monetization as one connected capital-markets discipline, partnering with the CFO.

You will drive the program across whole-loan sales, pricing, and risk management, establish a disciplined cadence, and report to ALCO/MALCO and

Qualifications

• Bachelor’s degree in finance, economics, accounting, or a related field, or equivalent experience.
• Seven or more years of progressive leadership experience in capital markets, secondary marketing, or loan sales within a credit union, bank, or mortgage banking environment.
• Advanced proficiency in whole-loan sales, participations, forward-flow arrangements, and capital-markets execution.
• Advanced proficiency in interest-rate risk management, hedging strategies, and ALCO or MALCO governance.
• Negotiate investor, broker, and counterparty agreements while protecting approved economic and risk parameters.
• Translate pricing, gain-on-sale, liquidity, servicing economics, and balance-sheet analysis into clear recommendations that support enterprise earnings performance and CFO decision-making.
• Build durable external relationships and communicate complex market positions clearly to executive and Board audiences

Responsibilities

• Lead the capital-markets portfolio across loan sales, pricing, hedging, investor relationships, subservicing, and servicing monetization, with balance-sheet and material risk decisions made in partnership with and subject to approval by the CFO.
• Develop and recommend the whole-loan and participation sales strategy across all lending programs in coordination with enterprise priorities and obtain CFO approval for strategies with material balance-sheet, liquidity, or risk implications.
• Govern the loan-sale calendar and maintain a consistent execution cadence rather than relying on opportunistic transactions.
• Ensure loan-level data, documentation, and operational readiness support timely and accurate sale execution.
• Develop program-level pricing and yield recommendations with MALCO and the CFO, connecting production decisions to earnings and balance-sheet outcomes within approved parameters.
• Develop and oversee hedging strategy and coverage within approved risk parameters, and explain positions, exposures, and tradeoffs through the MALCO and ALCO processes, with material changes subject to CFO approval.
• Build a diversified investor, broker, and counterparty network that strengthens market access and negotiating leverage.
• Negotiate forward-flow agreements and master purchase or participation agreements within approved risk and return parameters.
• Lead the investor subservicing strategy for sold loans in partnership with the operational servicing function.
• Develop servicing-fee income, retained-servicing strategy, and mortgage servicing rights value as components of portfolio economics.
• Support the CFO and Finance in evaluating balance-sheet strategy, liquidity options, and the impact of capital-markets activity on earnings by providing analysis, recommendations, and execution support within approved parameters.
• Deliver accurate reporting to ALCO, MALCO, and the Board on sale volume, pricing trends, counterparty mix, and balance-sheet impact.
• Allocate priorities and develop the capital-markets team as sale and hedging volume, complexity, and strategic scope grow.

Skills

Capital markets leadership

Whole-loan sales

Hedging strategies

ALCO governance

Investor relations

Negotiation

Financial analysis

Education

Bachelor’s degree in finance/economics/accounting

Job description

Vibrant-Credit-Union in Moline, IL seeks an SVP, Capital Markets to lead strategy and execution that converts loan production into liquidity and balance-sheet flexibility. You will integrate loan sales, pricing, hedging, investor relationships, subservicing, and servicing monetization as one connected capital-markets discipline, partnering with the CFO.

You will drive the program across whole-loan sales, pricing, and risk management, establish a disciplined cadence, and report to ALCO/MALCO and