2-4 years in capital markets, structured finance, or lender finance, preferably at a specialty lender or fintech.
Experience preparing borrowing base certificates and covenant tests for credit facilities.
Knowledge of warehouse or asset-based facility mechanics, including eligibility and advance rates.
Advanced Excel/Google Sheets skills for building and maintaining facility models.
Understanding of GAAP financial statements and their relation to lending activities.
Exceptional attention to detail in reporting.
Strong communication skills for direct interaction with lenders and the CFO.
Bachelor's degree in Finance, Accounting, Economics, or a related field.
Responsibilities
Own the monthly lender reporting cycle, ensuring accuracy and timeliness.
Prepare ad hoc analyses on portfolio performance and credit trends for lenders.
Monitor eligibility criteria and covenant compliance, flagging potential breaches early.
Manage funding activities, including draws and paydowns, while reconciling balances.
Act as the primary contact for lenders and coordinate data requests and audits.
Support facility raises and amendments through data preparation and document review.
Build and maintain the facility model, automating data pulls as needed.
Benefits
Comprehensive health & benefits package.
Generous PTO.
$1K/year stipend for purchasing customer products.
$100/month wellness stipend.
Yearly offsite events, with recent trips to Mexico City.
In-office perks including covered commute and $20/day lunch stipend.
Prime NYC office location in NoHo, close to multiple subway lines.
Full Job Description
The Role We're hiring a Capital Markets Manager to own the day-to-day management and reporting of Highbeam's debt facilities. You'll run the monthly lender reporting cycle, keep us in compliance with facility covenants, manage funding into the facility, and be the first point of contact for our lenders.
This is a hands-on role at the intersection of Capital Markets, Credit, and Finance. You'll work closely with the Credit and Portfolio Management team and report directly to the CFO.
Title: Capital Markets Manager
Reports to: Chief Financial Officer
Location: New York, NY
Type: Full-time
What You'll Do Debt Facility Management & Reporting Lender reporting
Own the monthly and periodic reporting cycle: borrowing base certificates, loan-level portfolio tapes, servicing reports, and compliance certificates.
Deliver every report accurately and on time, with a documented close checklist and review controls.
Prepare ad hoc analyses for lenders on portfolio performance, concentrations, and credit trends.
Covenant and eligibility monitoring
Test eligibility criteria, concentration limits, advance rates, and performance triggers each cycle.
Track excess spread, delinquency, and loss triggers, and flag any approaching breach to the CFO early.
Keep a covenant calendar covering every reporting deadline, certification, and notice requirement.
Funding and cash management
Manage draws, paydowns, and the pledging of eligible receivables into the facility.
Reconcile facility balances, interest, and fees against the loan ledger and bank accounts.
Forecast borrowing base availability and liquidity so the lending book never outruns its funding.
Lender and stakeholder relationships
Act as day-to-day contact for lenders, backup servicers, verification agents, and auditors.
Coordinate data requests, field exams, and audits.
Support facility raises, amendments, and upsizes: data room prep, diligence responses, and document review alongside counsel.
Process and tooling
Build and maintain the facility model.
Automate data pulls and report production as the portfolio scales.
What We're Looking For
Required
2-4 years in capital markets, structured finance, or lender finance, ideally at a specialty lender, fintech, or warehouse lender.
Direct experience preparing borrowing base certificates, covenant tests, and portfolio tapes for a credit facility.
Working knowledge of warehouse or asset-based facility mechanics: eligibility, advance rates, concentration limits, and triggers.
Advanced Excel / Google Sheets skills, including building and maintaining facility models.
Solid grasp of GAAP financial statements and how lending activity flows through them.
Exceptional attention to detail; you treat a lender report like a legal document.
Clear communicator, comfortable working directly with lenders and the CFO.
Bachelor's degree in Finance, Accounting, Economics, or a related field.
Nice to Have
SQL or Python for pulling and reconciling loan-level data.
Experience with revolving credit, receivables, or card products.
Exposure to a facility raise or amendment from term sheet to close.
Familiarity with credit agreements and the ability to translate legal terms into reporting logic.
CPA, CFA (or progress toward), or MBA.
You'll thrive at Highbeam if...
You love working in-person with a high-performing team
You enjoy working in an idea-meritocratic, low-ego environment
You are proactive and self-directed, and you excel in ambiguous, fast moving environments
You care about delivering a polished customer experience
Bonus: You have experience working in fintech, AI or early-stage startups
What we offer
Competitive salary and meaningful equity
Comprehensive health & benefits package
Generous PTO
$1K/year stipend to purchase our customers' products
$100/mo wellness stipend
Yearly offsite-last year we went to Mexico City!
In-office perks: Commute covered and $20/day lunch stipend
Great location: Our NYC office is in NoHo, a short walk from the A,C,E • B,D,F,M • N,Q,R,W • 1 • 6 trains. Our Toronto office is downtown near St. Andrew Station.
