Capital Market Associate

About the Company

Quantum Lending Solutions redefines small business lending with our diverse and adaptable financial solutions. We are a dedicated lending partner focused on empowering small businesses to achieve their growth objectives. We are committed to fueling the growth of enterprises and small-to-medium businesses (SMBs) with our tailor-made financial services. Recognizing that each business has unique financial needs and growth trajectories, we offer a range of customized solutions. From agile microloans for quick capital injections to expansive term loans for long-term strategies, our diverse portfolio ensures that we have the right financial tools to support your journey whether you are scaling up or solidifying your market position.

Job Summary

We are seeking a highly analytical and detail-oriented Capital Markets Analyst / Associate to join our finance team. In this role, you will support the company’s funding operations, borrowing base reporting, liquidity planning, and investor reporting activities across multiple structured credit facilities. You will work closely with Finance, FP&A, Operations, Legal, and external lending partners to ensure accurate execution of daily funding activities and capital markets operations.

Key Responsibilities

Capital Markets & Funding Operations

• Execute daily and weekly funding operations across multiple credit facilities, including warehouse facilities and forward flow structures.
• Manage borrowing base processes, including facility availability tracking, reconciliations, remittances, and payment processing.
• Prepare and maintain borrowing base calculations and ensure compliance with lender requirements and facility documentation.
• Monitor covenant compliance, concentration limits, and collateral eligibility requirements across lending facilities and SPVs.
• Investigate and resolve borrowing base exceptions, reconciliation breaks, and eligibility issues in a timely manner.
• Support liquidity planning and cash management activities.

SPV & Structured Finance Operations

• Support the operation of SPV funding structures and daily loan sale processes.
• Execute eligibility checks, cut-off calculations, sale notices, and investor reporting requirements.
• Build and maintain accurate data tapes for lenders and investors.
• Coordinate collateral transfers and transaction settlements with internal and external stakeholders.
• Assist with structured finance and securitization reporting processes.

Reporting & Financial Analysis

• Prepare weekly borrowing base reports, monthly servicing reports, and ad hoc lender/investor reporting.
• Build and maintain portfolio performance dashboards and reporting tools.
• Support internal management reporting across key KPIs, including originations, liquidity, portfolio performance, and Net Interest Margin (NIM).
• Partner with FP&A teams to maintain and update financial forecast models for investors and senior management.
• Conduct performance analysis and identify key business and portfolio drivers.

Process Improvement & Data Automation

• Write and maintain SQL queries to extract and validate loan-level data.
• Automate manual and Excel-heavy workflows to improve reporting accuracy and operational efficiency.
• Improve data reconciliation, reporting consistency, and audit readiness across capital markets processes.
• Develop scalable reporting and monitoring frameworks for funding and collateral management.

Qualifications (Knowledge/Skills/Abilities/Experience)

Education:

• Bachelor’s degree in Accounting, Finance, Business Administration, or a related field is required.

Experience:

• 2–5 years of experience in Capital Markets, Structured Finance, Investment Banking, Treasury, Corporate Finance, FP&A, Lending Operations, or related fields.
• Experience working with warehouse facilities, SPVs, securitization structures, or specialty finance products preferred.

Skills/Abilities:

• Strong analytical, reconciliation, and problem-solving skills with exceptional attention to detail.
• Advanced Excel / Google Sheets skills required.
• Hands-on SQL experience and ability to work with large datasets strongly preferred.
• Ability to manage multiple workflows and deadlines in a fast-paced environment.
• Strong communication and stakeholder management skills.

Nice to Have:

• Experience with consumer, SME, or fintech lending products.
• Understanding of borrowing base mechanics and covenant compliance frameworks.
• Familiarity with servicing systems, structured credit products, and cash management processes.
• Exposure to investor reporting and asset-backed finance operations.