Director of Finance and Capital Markets

Loan Factory is seeking a strategic and hands-on Director of Finance & Capital Markets to lead both financial operations and secondary market execution. This role uniquely combines the responsibilities of a Controller and a Lending / Capital Markets Manager, overseeing accounting integrity while optimizing loan sales, pricing strategy, and investor relationships.

You will play a critical role in scaling a high-growth, AI-powered mortgage platform by ensuring financial accuracy, liquidity management, and profitability across loan production and sale.

Key Responsibilities

1. Financial Leadership (Controller Function)

• Oversee all accounting operations including GL, AP/AR, payroll, and financial reporting

• Ensure timely and accurate monthly, quarterly, and annual close processes

• Prepare and present financial statements in compliance with GAAP

• Maintain internal controls, policies, and audit readiness

• Manage cash flow, forecasting, and treasury functions

• Partner with executive leadership on budgeting, financial planning, and strategic decisions

2. Capital Markets & Secondary (Lending Manager Function)

• Manage loan pricing strategy, rate sheets, and margin optimization

• Oversee loan sales, delivery, and execution in the secondary market

• Build and maintain relationships with investors, aggregators, and warehouse lenders

• Monitor lock pipeline, hedging strategies, and pull-through performance

• Ensure best execution across all loan products and channels

• Analyze market trends, spreads, and profitability of loan sales

3. Risk, Compliance & Reporting

• Ensure compliance with financial, lending, and regulatory requirements

• Oversee warehouse line usage, reconciliation, and reporting

• Monitor exposure risks related to interest rates, pipeline, and liquidity

• Coordinate with compliance and audit teams

4. Systems & Process Optimization

• Lead implementation and optimization of financial and capital markets systems

• Partner with technology teams to enhance automation, AI-driven pricing, and reporting

• Improve operational efficiency across accounting and secondary functions

5. Team Leadership

• Build, lead, and mentor accounting and capital markets teams

• Establish KPIs and performance metrics aligned with company growth goals

• Foster a culture of accountability, innovation, and continuous improvement

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field (CPA preferred)

• 8–12+ years of experience in mortgage finance, with exposure to both accounting and secondary markets

• Strong knowledge of GAAP, financial reporting, and internal controls

• Deep understanding of mortgage secondary markets, loan pricing, and hedging

• Experience managing warehouse lines and investor relationships

• Proven leadership experience managing cross-functional teams

• Strong analytical, strategic thinking, and problem-solving skills

• Experience with mortgage LOS, pricing engines, and financial systems

• Compensation ranging from $130,000-150,000/year + bonus
• RSU options
• Health, dental, and vision insurance
• Retirement savings plan
• Paid time off, sick leaves