Capital Market Analyst

Summary

Join Kiavi, a leading private lender to residential real estate investors, as a Capital Markets Analyst. This integral role supports the management of mortgage loan sales to institutional investors. You will track and maintain loan sale data, facilitate due diligence, plan and execute sales to securitizations, prepare loan sale materials, create reports, and conduct analytical work using large datasets. The position offers a competitive salary and benefits package, including remote work options and a hybrid distributed workforce philosophy. The role requires a bachelor's degree in a relevant field, 1-2 years of experience, strong analytical skills, and proficiency in Excel. Experience with SQL and Tableau is preferred.

Requirements

• Bachelor’s degree, preferably in finance, accounting, economics or real estate
• Strong analytical and critical thinking skills with the demonstrated ability to meet deadlines and perform in a fast-paced environment
• 1-2 years of related experience, preferably in capital markets or finance related field
• Skilled in analyzing, interpreting, summarizing and maintaining data
• Detail-oriented individual who can work effectively under pressure
• Ability to work autonomously; self-sufficient and self-motivated
• Ability to multitask while maintaining high attention to detail

Responsibilities

• Track, update and maintain all loan sale data; establish timelines for trade execution
• Facilitate and monitor the due diligence process to ensure adequate and timely resolution of investor’s conditions and exceptions
• Plan and execute sales to our securitizations; monitor securitization portfolio metrics to ensure compliance with concentration limits
• Prepare whole loan sale tapes to be offered to investor partners; facilitate the settlement process, including managing collateral, verifying mortgage loan schedule data, and finalizing settlement deliverables
• Create reporting and engage with internal mortgage operations teams to relay investor feedback on external diligence teams’ findings and performance trends; work with internal policy team to prepare and distribute underwriting and product updates
• Implement internal processes and controls to ensure accuracy and efficiency across loan package sales and reporting
• Conduct analytical work using large data sets to analyze live transactions, deal structures and overall portfolio performance
• Execute ad-hoc projects to assist with our strategic goals with investors

Preferred Qualifications

• Mortgage and/or real estate industry experience preferred but not required
• Experience with SQL and Tableau is preferred for data extraction and analysis tasks
• Advanced proficiency in Excel, particularly in data summarization using formulas, lookups, and pivot tables

Benefits

• Medical, Dental, and Vision Insurance: Kiavi offers free employee-only coverage for medical, dental, and vision plans. Dependents receive a heavily discounted premium, competitively placed in the 90th percentile for cost
• Health Savings Account (HSA): For those enrolled in a High Deductible Health Plan (HDHP), Kiavi provides an annual employer contribution to HSAs: $500 for individual coverage and $1,000 for dependents
• Disability and Life Insurance: Immediate access to short-term and long-term disability insurance, as well as group life and AD&D insurance, with coverage at 1x annual salary
• Remote Work Policy: Kiavi supports working remotely for day to day activities for most roles and occasionally may ask employees to gather in person for key meetings, trainings, team building etc. For remote workers, Kiavi offers a one-time office setup reimbursement of up to $500 and a monthly $85 stipend for internet and phone expenses. For in-office workers, Kiavi offers employer contributions to commuter benefits account, either for parking or public transportation
• Flexible Time Off: Employees are empowered to manage their own time off, with no strict limits, as long as it's approved by their manager
• Paid Leaves: Up to 8 weeks of paid leave for medical or caregiver purposes, and 12 weeks of paid maternity/paternity leave. Short-term disability leave is also available for birthing mothers
• 401(k) & Company Match: A 401(k) plan managed by Fidelity, with Kiavi matching 100% of contributions up to 3% of compensation or $6,000 (whichever is less). All employer contributions are immediately vested
• Product Ownership: All employees think like an owner because all employees play a critical role in making our business great. Many roles are eligible for stock option grants
• Region 1 - $93,400 - $126,400 + 5% bonus + benefits
• Region 2 - $86,400 - $117,000 + 5% bonus + benefits
• Region 3 - $80,800 - $109,300 + 5% bonus + benefits