Senior Associate Capital Markets

Grow Your Career. Impact Lives. Shape the Future of Consumer Finance.

At Regional Finance, growth is more than a strategy. It's an opportunity for our people to thrive. Over the past several years, we have expanded significantly, creating new career paths, leadership opportunities, and professional development experiences across our organization.

As a proud NYSE-listed company, we serve more than half a million active customers through a network of 360+ branches across 20 states and a rapidly growing digital platform. With approximately $2.1 billion in net finance receivables, nearly double our position in 2020, our momentum reflects both the strength of our business and the dedication of our team.

If you're passionate about helping people, driven by growth, and excited to contribute to a company transforming the future of consumer finance, we invite you to join our team and build something meaningful with us.

Role Overview

The Capital Markets Senior Associate supports the company's funding strategy and helps ensure it has the capital, liquidity, and financing flexibility to execute its business plan. You will build and maintain the financial models that drive funding decisions, run the structuring and execution of debt facilities, and turn complex analysis into clear materials for executive leadership, the board, and investors. This is a high-visibility role for someone who combines strong modeling skills with sound judgment and clear communication.

Key Responsibilities

Financial Modeling and Analysis

• Develop and maintain complex financial models to forecast funding capacity, liquidity, capital adequacy, covenant compliance, and cost of funds

• Evaluate how key business decisions, such as growth targets, product changes, credit policy shifts, and pricing, affect funding capacity, funding costs, capital, liquidity, and covenant headroom

• Conduct capital markets modeling using tools such as Excel, SQL, or Python

• Analyze collateral performance, advance rates, concentration limits, and borrowing base availability

• Support asset-liability management, including interest rate hedging analysis and ongoing monitoring of hedge programs

Capital Markets Execution

• Runs the structuring, execution, and management of debt facilities, including securitizations, warehouse facilities, forward-flow arrangements, unsecured debt, and new financing transactions

• Coordinate with legal counsel, rating agencies, banks, trustees, investors, and other external parties throughout the transaction lifecycle

• Prepare term sheet comparisons, pricing analyses, and structural alternatives to inform decision-making

• Benchmark peer transactions, pricing, and performance, and recommend improvements to funding facilities

• Understand credit agreement terms and verify their accuracy

Executive Communication and Reporting

• Synthesize complex analysis into clear, compelling presentations and reports for executive leadership and the board

• Prepare materials for corporate board meetings, including funding updates, liquidity and capital positions, and transaction recommendations

• Develop investor and lender presentations that clearly communicate the company's financial position, funding strategy, and credit story

• Present findings and recommendations to senior stakeholders and respond to follow-up questions

Cross-Functional Collaboration

• Partner with Finance, Accounting, Credit Risk, Legal, and Business teams to align funding strategy with business plans and forecasts

• Ensure data integrity and consistency between internal financial reporting and external lender and investor reporting

• Contribute to process improvements and automation of recurring reporting and analysis

Minimum Qualifications

• Bachelor’s degree in Finance, Accounting, Mathematics, Data Science, or a related field

• 5-10 years of experience in capital markets, structured finance, investment banking, or a related field

• Advanced Excel and financial modeling skills, with demonstrated experience building complex, multi-scenario models

• Proficiency in SQL and data mining, with experience working with large datasets

• Working knowledge of structured finance and debt products, including securitizations and warehouse lines

• Strong understanding of liquidity management, capital planning, covenant structures, and cost-of-funds analysis

• Excellent written and verbal communication, including the ability to distill complex analysis into concise executive-level materials

• Strong attention to detail, with the ability to manage multiple deadlines in a fast-paced environment

• Proficiency in PowerPoint and experience preparing board or investor-level presentations

Preferred Qualifications

• Experience in consumer lending, fintech, specialty finance, or another asset-backed lending environment

• CFA, MBA, or advanced degree

• Strong academic record

• Familiarity with Python or BI tools (e.g., Tableau, Power BI) for data analysis

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