SVP Capital Markets

Paylocity; Moline, Northern (IL, KY); Hybrid; USD 300,000 - 600,000; Full time

Job summary

Vibrant seeks an SVP, Capital Markets to lead strategy and execution turning loan production into liquidity, gain-on-sale, and balance-sheet flexibility. You will align loan sales, pricing, hedging, investor relations, subservicing, and servicing monetization as a single capital-markets discipline under CFO oversight.

You will develop disciplined execution cadence with Finance, Lending, and MALCO, driving pricing, risk management, and earnings outcomes compliant with approved parameters.

Qualifications

• Bachelor's degree in finance, economics, accounting, or related field, or equivalent experience.
• Seven or more years of progressive leadership experience in capital markets, secondary marketing, or loan sales in financial institutions.
• 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.
• Ability to negotiate investor, broker, and counterparty agreements within approved parameters.
• Translate pricing and servicing economics into clear recommendations for earnings and CFO decisions.

Responsibilities

• Lead the capital-markets portfolio across loan sales, pricing, hedging, investor relationships, subservicing, and servicing monetization, within CFO-approved parameters.
• Develop and execute whole-loan and participation sales strategies across lending programs with CFO approval for material risk or balance-sheet implications.
• Govern loan-sale calendar and maintain a disciplined, calendar-driven execution cadence.
• Ensure loan-level data and documentation support timely sale execution.
• Develop program-level pricing and yield recommendations with MALCO and CFO.
• Oversee hedging strategy and reporting through ALCO/MALCO processes with CFO oversight.
• Build a diversified investor network and negotiate forward-flow and master agreements within risk parameters.
• Lead investor subservicing strategy and monetization of servicing rights.

Skills

Capital markets leadership

Whole-loan sales

Forward-flow agreements

Hedging strategies

ALCO/MALCO governance

Investor relations

Balance-sheet analysis

Education

Bachelor's degree

Advanced degree preferred

CFA or CTP certification preferred

Job description

Description

Position Overview

As SVP, Capital Markets, you will lead the strategy and execution that converts Vibrant’s loan production into liquidity, gain-on-sale income, and balance-sheet flexibility. You will integrate loan sales, pricing, hedging, investor relationships, subservicing, and servicing monetization as one connected capital-markets discipline. In partnership with Finance, Lending, and MALCO, you will establish a disciplined execution cadence and provide senior leadership for the function. Balance-sheet strategy and material risk decisions will be developed in close partnership with and remain subject to the oversight and approval of the CFO.

What You Will Do

• 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.

What Success Looks Like

• A dependable loan-sale cadence is established across lending programs, with transactions prepared and executed according to the approved calendar.
• Hedge coverage and pricing recommendations are integrated with production and balance-sheet strategy, with material decisions reviewed and approved through the CFO and established governance channels.
• The investor and counterparty base is diversified enough to reduce dependency and improve Vibrant’s negotiating position.
• Capital-markets reporting gives ALCO, MALCO, and the Board a clear view of pricing, sale activity, counterparties, and balance-sheet impact.
• Servicing and subservicing economics are incorporated into capital-markets decisions and produce a defined monetization strategy.

Requirements

Our Ideal Candidate

Required

• 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

Preferred

• Advanced degree in finance, economics, accounting, or related discipline
• Chartered Financial Analyst or Certified Treasury Professional certification
• Working knowledge of investor loan servicing, subservicing economics, and mortgage servicing rights valuation

Who You Will Work With

• Reports to: CFO/EVP of Operations & Finance, with delegated authority for capital-markets execution and direct CFO oversight of material balance sheet, liquidity, and risk decisions
• Direct reports: Two, Capital Markets & Program Strategy Manager and Capital Markets Specialist
• Works closely with: Chief Financial Officer, Chief Lending Officer, Finance, Lending, ALCO, MALCO, and the Board

Environmental and Physical Activity Requirements

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. The daily responsibilities of this position constantly require effective talking, hearing, walking, finger dexterity, reaching, stooping, and grasping functions. The position also often requires reaching and lifting (up to 25 pounds). Frequent sitting, standing, and repetitive motion activities are also required. Must be able to read print and computer-based materials and to do so with consistent accuracy. Most of these functions require light physical exertion and are conducted indoors at controlled degrees of temperature.

Other Duties

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice.