Capital Markets Structuring Senior Manager

Sofi • San Francisco, CA

53d

About The Position

SoFi is seeking a Senior Manager to join our Capital Markets team. In this role, you will be responsible for building new Intex and Cashflow models for our Capital Markets program. This includes our current financings, such as personal loan and student loan ABS asset backed securities, and new potential programs including, but not limited to, asset management vehicles, retail tokenization, credit cards and auto refinancings. The structuring senior manager will be the point person working with a cross-functional internal team of capital markets, treasury, product, credit risk, investor relations, legal and IT team members together with external constituencies including broker-dealers, investors and rating agencies to establish the most efficient structures for proposed Capital Markets' transactions.

Requirements

• 10+ years of relevant experience desired, primarily in capital markets and ABS execution
• BS/BA in business, finance, accounting, economics or similar technical field
• Excellent work ethic and willingness to contribute broadly to achieve team and company objectives
• Strong verbal and written communication as well as technical and organizational skills
• Strong analytical skills with attention to detail and deep knowledge of Intex Dealmaker and Bloomberg
• Clear understanding of Rating Agency criteria and how they translate into transactional structures
• Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms
• High level of proficiency with Microsoft Office suite (particularly in Excel, PowerPoint)

Nice To Haves

• Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
• Previous experience with asset-backed securitization data sets a plus: Bloomberg, Intex, DV01, etc.

Responsibilities

• Manage and establish the structuring process for all Securitizations, Loan Sales, and new products including Intex file set up and creation of internal cashflow models.
• Analyze and understand the economic impact of using different avenues of funding available through the capital markets (execution related to ABS transactions, whole loan sales, warehouse financing, and bulk sales).
• Validate and utilize third-party valuation agent credit assumptions and analytics to run internal analyses related to fair market value of SoFi's managed pool of loans.
• Monitor dashboards and spreadsheets that track ongoing performance of our securitizations and other transactions.
• In partnership with internal and external counsel, review and negotiate transactional terms through to execution.
• Collaborate and provide strategic support to internal stakeholders such as credit, legal, engineering, product, treasury, accounting, servicing and finance.
• Assist with the content preparation, communication, correspondence, and due diligence processes for external stakeholders including investors, lenders, rating agencies, data systems providers, law firms, trustees, custodians, and accounting firms.
• Other ad hoc support as needed requested relating to whole loan sales, asset backed securitizations, new products, securities financing, unsecured lines of credit, and any other future financing initiatives of the company.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 1,001-5,000 employees