Associate Structured Credit Director

Summary

Join Point, a company dedicated to making homeownership more accessible, as a Structured Credit Lead. You will lead capital-related transactions, from drafting to closing, negotiating structure and pricing, and managing relationships with capital partners. Responsibilities include tracking industry performance, developing marketing materials, managing reporting for existing transactions, and working with rating agencies and investment banks. The ideal candidate possesses 6-8+ years of structured credit experience, a proven track record in securitization, and expertise in REMICs, debt-for-tax, and risk retention rules. Point offers a comprehensive benefits package, including generous health benefits, unlimited paid time off, flexible remote work options, fully paid parental leave, and financial wellness programs.

Requirements

• 6-8+ years of structured credit or structured finance experience
• Experienced track record of leading securitization and other complex capital market transactions
• History of working cross-functionally inside and outside of the organization
• Outward-facing experience with executives (ie investment banks, bond buyers, etc)
• Experience structuring large capital transactions
• Deep familiarity with REMICs, debt-for-tax, and risk retention rules
• Expert proficiency with Intex, Excel, Google Suite, and Bloomberg
• Analytical and detail-oriented with strong organizational, project management, and problem-solving skills
• Able to structure and model complex financial transactions
• Effective, collaborative partner with internal and external partners
• Well-refined communication skills. Can articulate ideas and strategies clearly, both verbally and in writing
• A structured approach to problem-solving and the ability to maintain high-quality output even under time pressure

Responsibilities

• Lead capital-related transactions from drafting to closing – including private and public transactions – by driving timelines and processes, overseeing the preparation and drafting of documents, and completion of the closing requirements
• Drive structure and pricing negotiations
• Track industry performance and analysis on HEIs while managing Point reporting requirements
• Develop and manage relationships with capital partners and key transaction counterparties
• Oversee the creation of marketing materials to support capital-related transactions
• Manage reporting for existing transactions, including Intex reporting
• Responsible for rating agency structure and modeling
• Work closely with investment banks and law firms to structure and draft the transaction
• Comfortable working with sophisticated bond buyers and presenting at investor meetings

Benefits

• Generous health benefits
• We provide medical, dental, and vision plans with options for flexible spending accounts (FSA) and health savings accounts (HSA)
• Unlimited paid time off
• Recharge with unlimited paid time off and 10 company holidays
• Flexible remote & onsite work
• Our teams work from many different locations and time zones. We support fully remote work and also have an amazing in-person environment in our downtown Palo Alto, CA HQ
• Fully paid parental leave
• Point will true-up wages from state-applicable PFL earnings so that the employee’s total gross pay will be equivalent to 100% of their regular base pay, as well as two weeks of fully paid leave to be available after exhaustion of state PFL
• For employees in states without Paid Family Leave, Point will provide up to 8 weeks of paid parental leave
• In addition, all employees will receive 4 weeks of fully paid transition time. For four weeks after returning from parental leave, and following the use of all other paid leave benefits, you may work part-time, meaning two or three days per week, and receive 100% of regular base pay
• Financial wellness
• We provide 401K retirement plans for employees as well as guaranteed life insurance and short- and long-term disability coverage. Full-time employees have the opportunity to take ownership of the company through equity options
• Extra work/life benefits
• We provide monthly stipends for internet, mobile plans, and a one-time home office reimbursement