SVP Capital Markets

Vibrant Credit Union•Moline, IL

13d•$134,156 - $207,921•Onsite

About The Position

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.

Requirements

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

Nice To Haves

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

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.