Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.
We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.
If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!
Job Purpose
The Vice President of Capital Markets is responsible for leading the structuring, execution, and management of debt facilities for a leading, profitable consumer lending platform as it expands nationally, launches new products, and diversifies its funding sources. The role will drive end-to-end execution of funding transactions, manage key external relationships, and support capital markets strategy, reporting, and executive/board communications.
Duties and Responsibilities
- Drive efficiencies and automation throughout the treasury department leveraging AI, data, and technology
- Lead the structuring and execution of securitization, warehouse facility, forward-flow, unsecured debt, and new financing transactions
- Review, understand, and negotiate legal documents for all credit agreements
- Research capital markets transactions and performance from similar competitors
- Manage relationships with commercial bankers, institutional investors, rating agencies, custodians, and back-up servicers
- Oversee and ensure the accuracy of lender, investor, and SEC reporting
- Manage covenant compliance for all debt agreements
- Build and maintain liquidity, borrowing base, and funding capacity analysis to support growth and capital planning
- Own interest expense budgeting, forecasting, and variance analysis, and lead initiatives to lower cost of funds
- Prepare executive-level materials for board meetings, investor presentations, and insightful management reporting
- Partner cross-functionally with Finance, Accounting, Credit Risk, Legal, Compliance, and Servicing teams
- Work with internal parties to understand policies and processes and their impact on funding the business
- Manage a team of analysts and specialists and train them for high performance
- Assist with asset liability management through hedging programs and analytics
Education and Qualifications
- Bachelor’s degree in business, finance, or economics
- 10+ years relevant work experience and 2+ years managerial experience
- Securitization, capital markets, and monthly servicer reporting experience are required
- Strong AI, modeling, and Microsoft Excel skills
Critical Competencies
- Highly self-driven and motivated
- Strong presentation and communication skills with executive presence
- Excellent analytical skills with strong attention to detail and high concern for data accuracy
- Proven leadership capabilities
- Sense of urgency
Why Join Us
- High-impact role with work that directly impacts the bottom line
- Daily interaction with executive leadership and key business decisions
- Opportunity to shape funding strategy and expand capital markets capacity
- Collaborative, fast-paced environment with meaningful growth runway
- This role is a hybrid position in one of our hubs in Greer South Carolina, Dallas Texas, Washington D.C., or New York City.
- Compensation for this role varies by location and experience. A base salary range for this position is between $267,000 and $327,000
If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: https://regionalfinance.com/wp-content/uploads/2022/11/UPDATED-Employee-Privacy-Policy-11.2022.pdf
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional’s policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.
Skills Required
- Bachelor's degree in business, finance, or economics
- 10+ years relevant work experience in capital markets or finance
- 2+ years managerial experience leading teams
- Experience structuring and executing securitization, warehouse facility, forward-flow, and unsecured debt transactions
- Securitization, capital markets, and monthly servicer reporting experience
- Strong financial modeling skills
- Strong Microsoft Excel skills
- Experience with AI-driven automation or applying AI to treasury/finance processes
- Strong presentation, communication skills, and executive presence
- Experience with interest expense budgeting, forecasting, and variance analysis
- Experience with hedging programs and asset-liability management
What We Do
Regional Finance is one of the leading consumer finance installment loan companies in the United States. Founded in 1987, Regional has grown into a strong, trusted company that puts our customers first, and continues to provide our customers with not only a range of loans and financial products, but also the highest quality customer service. We believe that no one else works as hard as we do to earn and keep our customers business. We are proud of our hard working employees who are the reason for our success. As an employee with Regional, you will find that you are an essential part of what creates the bigger picture. Not only do we want to the best for our customer, but we also strive to help in the advancement of our employee’s careers. Thus there are many opportunities for advancement within our company. We are currently looking for hard working, diligent individuals who truly believe in our mission, and hope to better the lives of the individuals we serve. We invite you to apply for our open positions. We continue to operate our headquarters in Greer, South Carolina and now serve more than 350,000 customers through 350+ branch offices located in 14 states.
