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Capital Markets Analyst



Posted on Thursday, June 15, 2023

Who We Are

We are creating the best way to finance clean energy for the home to help combat climate change. Mosaic partners directly with solar and home improvement professionals, who use our simple point-of-sale app to offer financing options to their customers. This makes it easy and affordable for families to make energy-efficient upgrades to their homes. Since 2012, Mosaic has funded more than $13 billion in loans through our platform and helped more than 1 million people prosper from clean energy. Join us as we work toward our vision of 100% clean energy for all.

Location: We are a remote-first company. This role can be based anywhere in the US.

The Opportunity

We are seeking a Capital Markets Analyst to join the Capital Markets Group, which is a part of our Treasury and Capital Markets team. The Capital Markets team is responsible for the market execution of the organization’s funding programs, notably issuance of Asset Backed Securities and unsecured debt, together with structuring of Loan Sales/Forward Flow agreements and ABS (Asset Backed Securities). This position will work cross-functionally on key initiatives with a number of other departments in the organization including Risk, Legal, Treasury, Accounting, Sales, Business Intelligence, and Product.

Your day-to-day

  • Assist members of the Capital Markets team with live transactions, including asset-backed securitizations, and forward flow loan sales.

  • Support legal team and help coordinate internal and external parties for securitization transactions (internal management, underwriters, rating agencies, legal counsel)

  • Build out and manage a suite of financial models related to existing transaction performance, asset pricing, loan performance and other key metrics.

  • Help develop and maintain models including but not limited to: Loss analysis for rating agencies

  • Assist with the prospecting and development of various lending partnership, including ABS warehouse facilities and forward flow programs

  • Manage day-to-day communication and due diligence requests from capital partners.

  • Maintain surveillance of the performance of Mosaic’s ABS trusts and off-balance sheet portfolios and compile a dashboard with monthly trends

  • Create and maintain databases/lists including investor lists, transaction comparables, and data/performance.

  • Analyze and report on the performance of asset backed transaction

  • Support ad hoc analytical projects for the finance team and executive leadership.

  • Develop and update marketing materials for use with prospective investors.

  • Collaborate closely with other functional departments including Treasury, Finance, Risk, Legal, IT and Accounting.

  • Other funding and balance sheet management projects as directed by management

What you bring to the team

  • B.A or B.S in Finance, Economics or other related degree

  • 0-3 years in finance, debt capital markets, ABS issuer, rating agency or related quantitative fields

  • Experience working in a robust internship will be considered

  • High level of proficiency with Microsoft Office suite (particularly in Excel, PowerPoint) required

  • Strong analytical skills with attention to detail

  • Strong verbal and written communication as well as technical and organizational skills

  • Team player: ability to work successfully with a variety of personalities and disciplines across the organization

  • Ability to represent the organization professionally and to cultivate and maintain relationships with funding and capital partners.

  • Excellent work ethic and willingness to contribute broadly to achieve team and company objectives

  • Must be able to handle multiple responsibilities under pressure.

Bonus Points

  • Skills in SQL, R, or Python and Visual Basic

  • Prior experience in consumer lending

Compensation: The base salary range for this position is $70,000-100,000. The position is eligible for a bonus in accordance with the terms of the applicable incentive plan. In addition, we’re proud to offer a range of competitive benefits.

Why Mosaic

As a customer focused and driven-to-win organization, there are many exciting reasons to join the Mosaic team. Mosaic has a dynamic, fast-paced, and entrepreneurial environment, which requires a professional, flexible, self-starter attitude. We believe in hiring talented and driven individuals and cultivating a culture of collaboration and appreciation.

Benefit Highlights:

  • Robust Health, Dental, and Vision Plans
  • Generous paid time off
  • 13 Company Holidays
  • 401k Match
  • Employee Equity Plan
  • Life Insurance, Short and Long Term Disability Insurance
  • We are remote-first (Must be based in the United States)
  • Lifestyle Spending accounts for professional and personal wellness
  • Mental Health: Headspace subscription, online therapy sessions
  • …and more!

Mosaic’s policy is that employees must be fully vaccinated against COVID-19 in order to travel for work, visit our office, or attend in-person meetings, to the extent permitted by applicable law. We encourage you to speak with your recruiter if you would like more details on our COVID-19 safety policies.

We are an equal opportunity employer and value diversity of backgrounds, perspectives and experience. Mosaic’s vision is 100% clean energy for all. In order to reach that vision, we believe we must build a diverse company where everyone is treated fairly and feels included. In turn, in accordance with Mosaic’s equal employment opportunity policy, we do not discriminate on the basis of race, religion, color, national origin, caste, gender identity or expression, sexual orientation, age, marital status, veteran status, disability status or any legally protected status.