Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.
Description:
Vice President, Securitization & Structured Products will help build the firm’s securitization and structured finance platform across residential mortgage, consumer, commercial, and specialty asset classes.
The candidate will play a central role in structuring and execution of warehouse facilities and capital markets securitization transactions. This is a high-impact, analytically rigorous role that sits at the intersection of capital markets, credit analysis and financial modeling.
Will also consider candidates with fewer years of experience for an Associate title.
Responsibilities:
Modeling
Build, maintain and stress-test cash flow securitization models across ABS and RMBS asset classes
Develop and validate collateral performance assumptions, including prepayment speeds, default ratings, loss severities, and delinquency roll rates
Structure cash flow waterfalls, subordination, reserve accounts, and other credit enhancement mechanisms
Conduct scenario and sensitivity analysis to support rating agency submissions and investor materials
Transaction execution
Support end-to-end deal execution from collateral diligence through closing, including coordinating with issuers, rating agencies, trustees and legal counsel
Prepare offering memoranda, term sheets, investor presentations and analytics
Interface with trading desks, syndicate, and structuring teams
Portfolio and Risk Analytics
Monitor performance of existing warehouse exposure; produce periodic surveillance reports and trigger analysis
Analyze collateral to identify credit trends and concentration risks
Assist in the preparation of internal credit committee and risk presentations
Qualifications:
Required
4+ years of experience structuring securitizations (ABS and/or RMBS) at a bank, broker-dealer, accounting firm, or private credit firm
Demonstrated proficiency in cash flow modeling; advanced excel and/or python skills
Strong understanding of cash flow drivers including consumer credit fundamentals, prepayment dynamics, etc
Familiarity with rating agency methodologies
Preferred
Bachelors degree in finance, economics, mathematics, engineering or related quantitative field
Experience with INTEX, Bloomberg ABS/MBS analytics
CFA candidate or charterholder
Dallas location; remote will be considered
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.
Skills Required
- 4+ years of experience structuring securitizations (ABS and/or RMBS) at a bank, broker-dealer, accounting firm, or private credit firm
- Demonstrated proficiency in cash flow modeling; advanced Excel and/or Python skills
- Strong understanding of cash flow drivers including consumer credit fundamentals and prepayment dynamics
- Familiarity with rating agency methodologies
- Bachelor's degree in finance, economics, mathematics, engineering or related quantitative field
- Experience with INTEX and Bloomberg ABS/MBS analytics
- CFA candidate or charterholder
- Dallas location preferred; remote will be considered
Texas Capital Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Texas Capital Bank and has not been reviewed or approved by Texas Capital Bank.
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Retirement Support — A company 401(k) with matching contributions is repeatedly characterized as good, reinforcing the value of the retirement program. Employer match and related financial supports are highlighted as competitive components of the package.
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Leave & Time Off Breadth — PTO and paid holidays are characterized as solid to generous, with accruals that can increase with tenure or vary by level. Time off is frequently cited as a strong element of the overall package.
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Wellbeing & Lifestyle Benefits — Wellness programs, educational assistance, and paid parking expand support beyond core insurance, adding convenience and development value. Ancillary perks complement the standard medical, dental, and vision coverage.
Texas Capital Bank Insights
What We Do
Our expert bankers are committed to helping your business build and grow. Equipped with experience-based insights and a proven record of implementing custom solutions for clients, we can help you with a suite of business lending, investing and financial management services that see you through every step of the way. Our client-centric culture thrives because we attract, develop and engage the most experienced and diverse experts in their fields. Over the years, we've developed a supportive culture that values collaboration, rewards performance and respects the well-being of its team members. We know our people are our greatest asset, so we give them the resources and support they need to be successful. Our personal approach has enabled us to deliver exceptional value for our clients for more than two decades — an achievement we’re proud to continue. Explore a career at Texas Capital Bank: https://www.texascapitalbank.com/who-we-are/careers Texas Capital Bank is a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ®: TCBI). For more information, please visit www.texascapitalbank.com. Member FDIC. NASDAQ®: TCBI. Equal Housing Lender. Texas Capital Bank and its subsidiaries are equal opportunity employers and do not discriminate on the basis of any protected trait including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status. Please view our EEO Policy to learn more: https://www.texascapitalbank.com/equal-employment-opportunity-policy
