Treasury & Capital Markets Manager

FarmOp Capital•Saint Paul, MN

23h•Onsite

About The Position

The Treasury & Capital Markets Manager at FarmOp Capital plays a central role in managing the day-to-day cash operations, financing relationships, and capital structure that support our agricultural lending institution. This role owns cash flow management, serves as the primary operational interface with financing counterparties and loan investors, and ensures ongoing compliance with borrowing bases, covenants, and concentration limits across all lending facilities. This role also monitors portfolio-level leverage and funding capacity to ensure the company makes optimal use of available credit facilities, and ensures that data and reporting produced from the loan servicing books is accurate, complete, and delivered on schedule to internal and external stakeholders. A deep understanding of agricultural finance, credit facility mechanics, and regulatory compliance is essential to excel in this role.

Requirements

Bachelor's degree in finance, accounting, or a related field.
Relevant experience in treasury, cash management, capital markets, or a related role within the financial services industry, ideally with exposure to agricultural lending.
Strong knowledge of lending facilities, borrowing bases, covenants, and loan asset sales, especially within the context of agricultural finance.
Understanding of leverage mechanics and capital structure optimization in a warehouse or credit facility context.
Comfort serving as a day-to-day operational contact with external financing partners and investors.
Proficiency in reporting and reconciliation processes; strong Excel skills and familiarity with loan servicing or treasury management systems.
Excellent analytical, problem-solving, and decision-making skills with a keen eye for detail.
Demonstrated ability to communicate complex financial and compliance information clearly to diverse stakeholders.
Familiarity with regulatory compliance and reporting requirements for financial institutions.

Responsibilities

Monitor daily cash positions, forecast short-term cash needs, optimize cash balances, and manage liquidity to ensure efficient use of funds and timely satisfaction of all financial obligations.
Maintain strong day-to-day relationships with banking partners; manage bank accounts and oversee the processing of wire transfers, ACH transactions, and other electronic payments.
Serve as the primary operational point of contact for financing counterparties and loan investors, managing routine draw requests, funding schedules, notices, and inquiries.
Prepare and present treasury reports to senior management, providing visibility into cash flow, liquidity, and funding capacity.
Monitor and ensure strict compliance with all lending facility agreements, including covenants, borrowing base requirements, and loan concentration limits.
Calculate and monitor the borrowing base on a regular basis, ensuring collateral values align with outstanding loan amounts and managing any necessary adjustments or certifications.
Track and report on all loan covenants, ensuring adherence to financial and non-financial conditions and proactively flagging potential breaches or the need for modifications.
Ensure ongoing compliance with lending and loan sale concentration limits, analyzing the portfolio and proactively managing concentrations by borrower, AIP, loan metrics, and other risk factors unique to the institution.
Support the sale of loan assets to investors, preparing necessary documentation, assisting with due diligence, and facilitating transactions to optimize liquidity and manage the loan portfolio efficiently.
Monitor portfolio-level leverage across all facilities, analyzing available capacity, advance rates, and cost of funds to guide decisions on facility utilization.
Recommend the most efficient allocation of loan originations across available facilities and investor takeout channels to maximize leverage while remaining within covenant, borrowing base, and concentration constraints.
Forecast facility capacity needs against projected origination volume, proactively identifying when additional capacity, new facilities, or amendments will be required.
Evaluate the relative cost and terms of existing and prospective financing sources to support decisions that improve the company's overall cost of leverage.
Ensure all reports generated from the loan servicing books are accurate, complete, and reconciled prior to distribution to investors, financing counterparties, and internal stakeholders.
Own the reporting calendar for facility and investor reporting, ensuring all recurring and ad hoc reports are produced and delivered on schedule.
Produce and maintain portfolio-level reporting on outstanding balances, facility utilization, leverage ratios, and funding capacity for use by senior management and the board.
Partner with loan accounting and servicing teams to identify and resolve data discrepancies at the source, strengthening the reliability of servicing data used in treasury, leverage, and compliance reporting.
Develop and maintain accurate records and internal controls related to lending facilities, borrowing bases, covenants, and loan asset sales, streamlining processes as the reporting function scales.