Capital Markets Analyst

Company Overview

Tier One Funding’s mission is to help small business owners solve America’s housing problem. We provide the capital and partnership that enable fix-and-flip entrepreneurs to transform properties faster and with greater confidence. Our edge is simple: a customer-first focus, speed and disciplined execution. We believe teamwork fuels innovation, simplicity drives clarity and discipline builds trust. Backed by world-class financial institutions and led by a team with decades of experience in lending and high-growth ventures, Tier One combines institutional strength with entrepreneurial agility. When you join Tier One, you join a humble, clever, and collaborative team dedicated to building something remarkable — a company that helps our customers succeed while they transform houses into homes.

About the Role

We are seeking a detail oriented and disciplined analyst to support and grow our capital markets function focused on residential real estate lending. You’ll be a part of a fast-paced environment, interacting closely with capital markets loan investors (such as Nomura Securities, PIMCO and others), Tier One’s accounting/finance team and internal lending ops teams. The ideal candidate thrives in a start-up environment, with the ability to scope and execute projects and tasks independently with high attention to detail. You’ll need to have strong interpersonal and analytical skills. You will play a key role in supporting the company’s financing, liquidity, and investment activities. This position is responsible for analyzing capital market trends, assisting with loan sales, managing relationships with investors, and supporting treasury and funding operations.

Key Responsibilities

1. Financing & Funding Support

Assist in the execution and management of warehouse lines
Monitor borrowing base, advance rates, and collateral requirements
Support interest and fee reconciliations, cash flow forecasting, and capital utilization analysis

2. Loan Sales & Secondary Market Activities

Prepare and review loan tapes, settlement packages, and related documentation for whole loan sales
Coordinate with custodians, investors, and internal teams to facilitate due diligence and resolve exceptions
Track loan sales pipeline, pricing feedback, and transaction execution timelines

3. Market Analysis & Reporting

Monitor and analyze macroeconomic, rate, and credit market trends impacting funding costs and investor appetite
Prepare internal reporting on loan performance, capital markets activity, and investor relations
Maintain and update financial models to assess loan sale profitability, cost of capital, and funding strategies

4. Asset Management

Monitor performance of loans, produce reporting and communicate trends to stakeholders
Coordinate with servicers and custodians
Manage risk by identifying early warning signs of credit deterioration and engage as necessary with non-performance/default
Prepare for securitization of assets

5. Risk Management & Compliance

Ensure adherence to regulatory requirements, covenants, and internal policies
Support audit, investor, and counterparty reporting requirements
Assist in implementing best practices for risk controls, reconciliations, and documentation management

Qualifications

Bachelor’s degree in Finance, Economics, Accounting, or related field.
5+ years of experience in an analytical or financial role, preferably capital markets, structured finance or investment banking.
Strong quantitative and analytical skills; proficiency in Excel and financial modeling required.
Familiarity with loan sales, securitizations, warehouse lines, or structured credit preferred.
Excellent written and verbal communication skills; ability to present complex information clearly.
Detail-oriented with strong organizational skills and the ability to manage multiple priorities.

Key Competencies

Analytical thinking and problem solving
Financial modeling and data analysis
Knowledge of debt capital markets and structured products
Strong communication and stakeholder management
High integrity, discretion, and attention to detail

Compensation & Benefits

Competitive cash salary with opportunity for additional incentive compensation as we grow
Competitive health benefits
Reports to the CFO with the ability to work remotely

At Tier One Funding, we strive to build a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities that will help us to grow, not only as a company, but also as individuals. We are focused on building a diverse and inclusive workforce. If you’re excited about this role, but do not meet 100% of the qualifications listed above, we still encourage you to apply.

Tier One Funding is an Equal Opportunity Employer.

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