Credit - San Francisco, United States - Column

Column

Verified Company

San Francisco, United States

3 weeks ago

Posted by:

Mark Lane

beBee recruiter

Description

About Column:

For companies building financial technology and transforming the financial services space, the biggest bottleneck to their growth and innovation is often the underlying banks and infrastructure stack they rely on.

We have spent our careers founding and scaling companies like Plaid, Square, SoFi, Blend, and Affirm, and have seen this problem firsthand — builders and developers needing to partner with traditional banks, and creating API and abstraction layers over the patchwork that is the bank, its core, and many other vendors.

All of this results in a complex (and often expensive) banking supply chain involving a user, fintech, BaaS middleware provider, bank, core and the Federal Reserve.

At Column, we set out to simplify and fix this.

We are a bank and a software company built from the ground up, offering builders and developers technology-forward banking solutions that cut out the hundreds of vendors, middleware providers, and abstraction layers.

This means a safer, more transparent, and less costly banking supply chain. Come build with us

The opportunity:

Column is seeking an experienced credit professional who is interested in building a high-quality credit portfolio without all of the red tape and manual processes of legacy financial institutions.

Working on a lean team with a fast-growing balance sheet, you will have a wide mandate that spans executing on ABS investments, providing warehouse financing to specialty finance companies, establishing third-party origination partner programs, and acquiring loans.

We are looking for someone with a strong finance background and experience underwriting consumer and small business loan portfolios and securities, executing transactions, and monitoring portfolio positions.

In addition to strong financial knowledge, we are seeking someone who will take the initiative to identify ways that we can do things better, and own implementing those changes.

This role will be based out of San Francisco, where you will get to collaborate with a high-caliber team that has worked at the world's largest banks and fintechs and is passionate about building a huge, profitable business.

This is a rare opportunity where you will have a meaningful impact on every facet of the lending business, and you'll be empowered to help drive Column's lending business strategy.

What you'll do:

Underwrite and evaluate various types of consumer and small business credit portfolios in the context of lending, whole loans, ABS, partnership, and platform investments
Drive diverse transaction execution processes, including managing underwriting, due diligence, and contract negotiation across strategic credit partnerships, loan purchases, and financings
Be the face of Column in the lending industry by building and managing relationships with borrowers
Manage funded transactions, including new portfolio purchases or borrowings
Develop topdown themes to pursue within specialty finance and structured credit
Along with the rest of the team, assist in sourcing new lending opportunities
Collaborate with technical team to build out bespoke tools to improve risk management, monitoring, oversight, and operations functions

What you'll need to be successful:

Experience:
5 years of finance experience working at a bank, asset manager, or balance sheet-focused fintech on structured products, warehouse lending, or other financial institution transactions
Openmindedness: Ability to think critically and creatively about investment opportunities to determine attractiveness across asset classes
Grittiness: Willingness to roll up your sleeves as an individual contributor and do whatever is needed to help push the business forward
Self Starter: Able to execute in a fastpaced environment without needing meaningful oversight
Executive presence: This individual will engage regularly with the leadership team of the Bank, thus experience and skill in presenting to seniorlevel audiences is preferred
Must be highly skilled in Microsoft Excel; experience with Intex software, SQL, Python, or other data analytics tools/programming languages is a plus

What you'll get from us:

Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and 50% covered for your dependents
FSA and HSA account options to enable use of pretax money for medical and dependent care expenses
401k plan, including selfdirected brokerage options
Flexible timeoff policy take the time off that you want and need to relax and recharge
100% paid parental leave
Catered lunches and dinners for SF employees
Commuter benefits
Regular team building events, including annual offsite

We look forward to hearing from you:
Column is committed to working with the best and brightest people from the broadest talent pool possible. We value bringing together a team with different perspectives, educational backgrounds, and