VP of Capital Markets
About this role
Overview
Position: Vice President, Capital Markets (Mortgage Industry)
Location: Santa Ana, CA - onsite
Compensation: starting at 125K-175K + annual bonus/incentive compensation
Position Summary
The Vice President of Capital Markets is a leadership role responsible for optimizing the company's secondary marketing hedging, investor relations, and loan sale strategies. This position works with the VP’s, SVP’s and EVP’s of the department to improve the management of mortgage pipeline risk, optimization of gain-on-sale margins, and development of capital markets relationships to support the organization's growth and profitability objectives.
The VP, Capital Markets serves as a strategic partner to executive leadership, ensuring efficient liquidity management, market competitiveness, and compliance with regulatory and investor requirements.
Responsibilities
Capital Markets Strategy
- Work with department leaders to assist in the execution of the company's capital markets strategy to maximize profitability, liquidity, and operational efficiency.
- Optimize mortgage pipeline risk through effective hedging strategies and market analysis.
- Monitor market trends, interest rate movements, and economic conditions to inform pricing and execution decisions.
- Recommend strategic initiatives to improve gain-on-sale margins and overall secondary market performance.
Secondary Marketing & Loan Sales
- Work with department leaders on establishing more economic alternatives to the company’s existing delivery options
- Optimize loan execution through agency, correspondent, and whole-loan sale channels and find new alternatives to enhance overall performance
- Evaluate and implement new investor programs and execution strategies.
Hedging & Risk Management
- Monitor hedge effectiveness and ensure accurate reporting of positions and exposures.
- Collaborate with finance and risk management teams to assess and manage liquidity, warehouse utilization, and counterparty risk.
- Ensure compliance with internal risk policies and regulatory requirements.
- Provide guidance on new mortgage products and market expansion initiatives.
Leadership & Collaboration
- Collaborate closely with Sales, Operations, Finance, Servicing, and Compliance departments.
- Establish performance metrics, reporting standards, and operational controls.
Present market updates, risk assessments, and performance results to executive leadership
Qualifications
Education
- Bachelor's degree in Finance, Economics, Business Administration, Accounting, or related field required.
Experience
- 10+ years of mortgage banking and capital markets experience.
- 5+ years of progressive leadership experience within secondary marketing or capital markets.
- Extensive experience with agency and non-agency mortgage execution strategies.
- Proven expertise in mortgage pipeline hedging, pricing, and risk management.
Technical Knowledge
- Strong understanding of:
- Mortgage-backed securities (MBS)
- Secondary mortgage markets
- Interest rate risk management
- Mortgage servicing rights (MSR) valuation and execution
- Agency guidelines (FNMA, FHLMC, GNMA)
- Whole loan and correspondent trading
- Proficiency with capital markets and mortgage banking systems.
Key Competencies
- Strategic Leadership
- Financial Acumen
- Capital Markets Expertise
- Risk Management
- Negotiation & Relationship Management
- Data Analysis & Decision-Making
- Executive Communication
- Process Improvement
- Results Orientation
Performance Metrics
- Gain-on-Sale Margin
- Hedge Effectiveness
- Investor Delivery Performance
- Loan Sale Profitability
- Secondary Marketing Revenue
- Compliance and Audit Results
Reporting Structure
Reports To: Chief Investment Officer (CIO)
#LI-JS3
Responsibilities
Capital Markets Strategy
- Work with department leaders to assist in the execution of the company's capital markets strategy to maximize profitability, liquidity, and operational efficiency.
- Optimize mortgage pipeline risk through effective hedging strategies and market analysis.
- Monitor market trends, interest rate movements, and economic conditions to inform pricing and execution decisions.
- Recommend strategic initiatives to improve gain-on-sale margins and overall secondary market performance.
Secondary Marketing & Loan Sales
- Work with department leaders on establishing more economic alternatives to the company’s existing delivery options
- Optimize loan execution through agency, correspondent, and whole-loan sale channels and find new alternatives to enhance overall performance
- Evaluate and implement new investor programs and execution strategies.
Hedging & Risk Management
- Monitor hedge effectiveness and ensure accurate reporting of positions and exposures.
- Collaborate with finance and risk management teams to assess and manage liquidity, warehouse utilization, and counterparty risk.
- Ensure compliance with internal risk policies and regulatory requirements.
- Provide guidance on new mortgage products and market expansion initiatives.
Leadership & Collaboration
- Collaborate closely with Sales, Operations, Finance, Servicing, and Compliance departments.
- Establish performance metrics, reporting standards, and operational controls.
Present market updates, risk assessments, and performance results to executive leadership
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