Credit

2 weeks ago

San Francisco, United States The Ladders Full time
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 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 functions
What 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 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 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 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 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 [redacted].

We participate in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program here.

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