Capital Markets Finance, Senior Manager

About CapCenterCapCenter is a technology-driven mortgage lender headquartered in Richmond, Virginia. We originate purchase and refinance mortgages, sell loans into the secondary market, and operate with a small, high-leverage team "” meaning every seat owns real outcomes, not slices of a bureaucracy. Our capital markets function runs an active hedging book, sells through agency and aggregator channels, and retains a growing MSR portfolio. This role is being created to bring purpose-built financial discipline, reporting, and planning to that activity.Role SummaryThe Capital Markets Finance Senior Manager owns the financial backbone of CapCenter's secondary marketing activity. The role is a finance role first "” it builds and owns the gain-on-sale model, the hedge effectiveness analysis, the MSR valuation methodology, the secondary marketing P&L, and the financial planning that turns capital markets activity into board-grade reporting and forward-looking forecasts. It partners closely with corporate accounting on close, audit, and disclosure, and with FP&A on planning and strategic analysis.This is a hands-on, build-it role. The right person is equally comfortable in a hedge attribution model, a board financial package, a monthly close working paper, and a conversation with the external auditor. Reports to the Head of Capital Markets and Finance.Key ResponsibilitiesCapital Markets Finance and ModelingOwn and maintain the gain-on-sale model "” pricing assumptions, expected execution, hedge cost, fallout, MSR value, fee income, and direct loan costsProduce hedge effectiveness analysis "” coverage ratios, basis risk, P&L attribution, and slippage versus benchmarks; surface drivers in plain financial termsOwn MSR valuation methodology "” assumption setting (prepayment, cost-to-service, ancillary income, default), model governance, quarterly mark, and reconciliation against third-party valuationsBuild and maintain the retain-versus-release financial framework that supports each loan-level decision and tracks realized economics versus the modelStress-test the pipeline, hedge book, and MSR portfolio against rate shocks, fallout shocks, and volume scenarios; quantify financial exposure for leadershipFinancial Reporting, Close and Accounting PartnershipProduce the monthly capital markets financial reporting package: secondary marketing P&L, realized vs. locked margin, hedge P&L, MSR mark, secondary income by channel, and variance-to-plan with written commentaryPartner with corporate accounting on month-end and quarter-end close for loan sales, derivative mark-to-market, MSR mark, fair value measurements, and hedge accounting electionsProvide methodology documentation, source data, and analytical support for derivative accounting (ASC 815) and MSR accounting (ASC 860 / ASC 948)Lead capital-markets-related external audit support "” methodology memos, model documentation, sample selections, walkthroughs, and disclosure draft reviewAuthor the board-level capital markets financial narrative each cycle; ensure related disclosures, KPIs, and footnote inputs are accurate, consistent, and decision-gradeStrategic Finance, Planning and ControlsBuild the capital markets components of the annual budget, quarterly reforecasts, and long-range financial plan; defend the assumptions to leadershipModel forward-looking secondary marketing revenue and MSR economics under varying rate paths, volume scenarios, and product mix; integrate into corporate forecastsProvide ad-hoc financial analysis for strategic decisions "” pricing changes, lock policy, MSR sales, channel expansion, retain-vs-release strategy, and capital allocationPartner with FP&A, Origination, and Servicing finance on margin sensitivity, runoff economics, product-level profitability, and cross-functional financial questionsRecommend and implement financial controls, model governance, reconciliation cadences, and process improvements across capital markets financial activityWhat Success Looks Like in Year OneA documented, version-controlled gain-on-sale model that finance, the desk, and leadership all referenceA monthly capital markets financial reporting package leadership can read in under fifteen minutes and act onA defensible, auditor-ready MSR valuation methodology and retain-vs-release frameworkA clean, predictable monthly close for capital-markets-related accounts, with documented working papersA capital markets budget and rolling forecast integrated into the broader corporate financial planQualitifactionsBachelor's degree in Finance, Economics, Accounting, Mathematics, or related field; MBA, CFA, or CPA strongly preferred7+ years in mortgage capital markets finance, secondary marketing analytics, or mortgage corporate finance, with at least 3 years in a senior or management capacityDeep working knowledge of TBA / MBS markets, agency execution, gain-on-sale economics, and MSR valuationHands-on experience with at least one pricing / hedging platform (Optimal Blue, Polly, Compass Analytics, or comparable) "” sufficient to interpret outputs and reconcile to financial resultsDemonstrated ability to build and own production financial models "” not just contribute to themStrong working knowledge of derivative accounting (ASC 815) and MSR accounting (ASC 860 / 948); ability to operate as a credible counterpart to accounting and external auditExperience producing financial reporting and forecasts that reach the executive team or boardClear writer and communicator "” able to translate hedge P&L, MSR economics, and secondary performance into concise financial narratives for leadership

Created: 2026-05-08