Credit Partnerships & Lending
Company: Column
Location: San Francisco
Posted on: May 9, 2024
Job Description:
About ColumnFor 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 opportunityColumn is seeking
an experienced credit professional to join as the second employee
on the next major business line we're investing in. This role will
build a high-quality credit portfolio without all of the red tape
and manual processes of legacy financial institutions. This is a
unique opportunity to be mentored directly by an excellent fintech
credit executive who's been in fintech credit since the beginning,
and a founder who helped build the fintech industry. Instead of
updating slide decks and models on a traditional finance team, this
is a chance to have a large scope that spans investments, partner
programs, loan acquisitions, process improvement, and critical
business-moving decisions.This role will work alongside our
high-caliber team, coming from the world's largest banks and
fintechs, in our beautiful Presidio-based San Francisco office and
will have a meaningful impact on shaping Column's lending business
and 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 top-down 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
functionsWhat you'll need to be successful
- Experience: 3 - 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
- Open-mindedness: 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 fast-paced 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 senior-level 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 plusWhat 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 pre-tax money for
medical and dependent care expenses
- 401k plan, including self-directed brokerage options
- Flexible time-off 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 offsiteWe look
forward to hearing from youColumn 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 life experiences, and believe a
diversity of ideas is what allows us to develop the best solutions.
All qualified individuals are encouraged to apply.If you need
assistance or a reasonable accommodation during the application and
recruiting process, please reach out to
accommodations@column.com.We participate in the E-Verify program in
certain locations as required by law. Learn more about the E-Verify
program.
#J-18808-Ljbffr
Keywords: Column, San Mateo , Credit Partnerships & Lending, Accounting, Auditing , San Francisco, California
Didn't find what you're looking for? Search again!
Loading more jobs...