About the Role
Loan Factory is seeking a strategic and hands-on Director of Finance & Capital Markets to lead both financial operations and secondary market execution.
This hybrid leadership role combines the responsibilities of a Controller and a Capital Markets / Secondary Leader, overseeing financial integrity while optimizing loan pricing, execution, and investor strategy.
You will play a critical role in scaling a high-growth, AI-driven mortgage platform—owning financial accuracy, liquidity management, and profitability across the full loan lifecycle.
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
- Prepare and present financial statements in accordance with GAAP
- Establish and maintain strong internal controls and audit readiness
- Lead cash flow management, forecasting, and treasury operations
- Partner with executive leadership on budgeting, forecasting, and strategic planning
2. Capital Markets & Secondary Execution
- Own loan pricing strategy, rate sheet development, and margin optimization
- Oversee loan sales, delivery, and execution in the secondary market
- Build and manage relationships with investors, aggregators, and warehouse lenders
- Monitor lock pipeline, pull-through, and hedging strategies
- Ensure best execution across all loan products and channels
- Analyze market trends, spreads, and loan sale profitability
3. Risk, Compliance & Reporting
- Ensure compliance with financial, lending, and regulatory requirements
- Oversee warehouse line utilization, reconciliation, and reporting
- Monitor and manage exposure to interest rate, pipeline, and liquidity risks
- Partner closely with compliance, audit, and risk teams
4. Systems, Automation & Process Optimization
- Lead implementation and optimization of financial and capital markets systems
- Drive automation across accounting, pricing, and reporting workflows
- Partner with technology teams to enhance AI-driven pricing, forecasting, and analytics
- Continuously improve operational efficiency and scalability
5. Leadership & Team Development
- 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 expertise in mortgage secondary markets, loan pricing, and hedging strategies
- Experience managing warehouse lines and investor relationships
- Proven leadership experience managing cross-functional teams
- Strong analytical, strategic thinking, and decision-making skills
- Experience with mortgage LOS, pricing engines, and financial systems
Technology & AI Proficiency (Required)
- Strong proficiency with modern financial and operational technology platforms
- Experience using or willingness to adopt AI tools (e.g., ChatGPT, data analytics platforms, automation tools) to enhance decision-making and efficiency
- Ability to leverage AI for financial analysis, forecasting, pricing optimization, and reporting automation
- Experience driving or supporting AI-driven initiatives in finance, capital markets, or operations is highly preferred
- High adaptability to rapidly evolving technology and digital transformation initiatives
Compensation & Benefits
- Compensation: $130,000 – $150,000 base + performance bonus
- Equity: RSU options
- Health, dental, and vision insurance
- Retirement savings plan
- Paid time off and sick leave