Thread
Director Capital Markets and Lending Solutions
Thread, Nashville, Tennessee, United States, 37247
Overview
Thread Bank is a digital-first financial technology community bank that aims to enhance customer engagement through innovative solutions. Thread Bank offers a modern website, a CRM system, and a mobile app to simplify banking for businesses and individuals. Our embedded banking solution helps business technology platforms provide secure banking experiences. We also partner with other banks, credit unions, and FinTechs to integrate compliant financial solutions. Thread Bank values innovation, collaboration, and flexibility, offering excellent benefits and a family-friendly culture.
What We Are Looking For We are looking for people who thrive in a fast-paced, growth environment while remaining within regulatory boundaries. Thread Bank provides a unique opportunity to be a part of a high growth, cutting edge, fintech startup within the stable and profitable banking industry. This is an excellent opportunity for a professional looking to advance their career as the company grows.
What you\'ll do As Director of Capital Markets & Lending Solutions, you will lead the strategic expansion of Thread Bank’s lending infrastructure beyond the traditional originate-to-sell model. You’ll architect and execute a differentiated Lending-as-a-Service (LaaS) and Lender of Record (LoR) program that empowers Thread to hold select assets, offer warehouse lending, and structure off-balance-sheet solutions including forward flow and ABS facilities.
Design and launch Thread’s LoR and LaaS platform, enabling embedded lending partners to originate loans under Thread’s charter while leveraging flexible capital markets execution strategies.
Build and manage warehouse lending programs, including both on-balance-sheet and off-balance-sheet structures, tailored to partner needs and investor appetite.
Structure and negotiate forward flow agreements and ABS transactions, ensuring optimal pricing, credit enhancement, and scalability.
Develop and implement balance sheet optimization strategies, aligning capital deployment with risk-adjusted return targets and regulatory requirements.
Lead investor engagement and syndication efforts, cultivating relationships with banks, asset managers, insurance companies, and private credit funds to support Thread’s capital markets initiatives.
Collaborate with internal stakeholders including Credit, Risk, Operations, Product and Legal to ensure new programs meet policy standards and are operationally sound.
Drive product innovation across BaaS, LaaS, and PaaS, positioning Thread as a full-stack financial infrastructure provider capable of delivering deeply integrated and differentiated solutions to our partners.
Build and scale a high-performing team, aligned with Thread’s growth ambitions and budgetary framework.
Qualifications
Bachelor’s degree in Finance, Economics, Business, Computer Science, or a related field preferred. MBA or advanced degree is a plus.
CFA, FRM, or similar capital markets or risk-related certifications are a plus but not required.
8+ years of experience in capital markets, structured finance, fintech, or embedded lending.
Deep understanding of warehouse lending, forward flow agreements, ABS structuring, and lender-of-record models.
Experience working with or within fintech platforms, BaaS/LaaS providers, or regulated financial institutions.
Strong financial modeling and structuring skills.
Proficiency in Excel and financial software systems; familiarity with SQL, Python, or data tools is a plus.
Deep understanding of loan lifecycle management, including onboarding, payment processing, delinquency tracking, and investor reporting. Skilled in designing servicing workflows that align with regulatory requirements and investor expectations.
Proven ability to structure and execute loan sale transactions, including whole loan sales, participations, and forward flow agreements. Experience negotiating representations and warranties, pricing models, and settlement mechanics.
Proficient in analyzing loan performance data, servicing metrics, and investor feedback to optimize sale timing, pool composition, and servicing strategies.
Familiarity with servicing platforms and APIs that support real-time data exchange, payment reconciliation, and investor reporting. Ability to collaborate with engineering teams to enhance servicing infrastructure and automation.
Risk & Compliance Alignment: Skilled in aligning servicing operations with credit policy, risk tolerances, and compliance frameworks. Experience working with internal audit, legal, and risk teams to ensure servicing and sale practices meet regulatory standards.
Investor Communication: Capable of translating servicing performance and loan sale outcomes into actionable insights for institutional investors, rating agencies, and capital markets partners.
Excellent written and verbal communication skills with the ability to translate complex financial concepts into actionable strategies.
Strong interpersonal skills and executive presence to engage with institutional investors, fintech partners, and internal stakeholders.
Ability to manage and prioritize multiple initiatives in a fast-paced, high-growth environment.
Embraces radical candor and thrives in a culture of transparency and accountability.
Demonstrates product ownership mindset and a willingness to roll up their sleeves to get things done.
Passionate about pushing the boundaries of innovation to create meaningful products for our customers—and their customers.
Employee must be able to perform essential functions of the position and, if requested, Thread Bank will make reasonable accommodations to enable employees with disabilities to perform the essential functions of their job, absent undue hardship, in accordance with the ADA.
Thread Bank is an Equal Opportunity Employer. Thread Bank does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law.
All employment is decided on the basis of qualifications, merit, and business need. By submitting your application, you give Thread Bank permission to email, call, or text you using the contact details provided. We will only contact you with job-related information.
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What We Are Looking For We are looking for people who thrive in a fast-paced, growth environment while remaining within regulatory boundaries. Thread Bank provides a unique opportunity to be a part of a high growth, cutting edge, fintech startup within the stable and profitable banking industry. This is an excellent opportunity for a professional looking to advance their career as the company grows.
What you\'ll do As Director of Capital Markets & Lending Solutions, you will lead the strategic expansion of Thread Bank’s lending infrastructure beyond the traditional originate-to-sell model. You’ll architect and execute a differentiated Lending-as-a-Service (LaaS) and Lender of Record (LoR) program that empowers Thread to hold select assets, offer warehouse lending, and structure off-balance-sheet solutions including forward flow and ABS facilities.
Design and launch Thread’s LoR and LaaS platform, enabling embedded lending partners to originate loans under Thread’s charter while leveraging flexible capital markets execution strategies.
Build and manage warehouse lending programs, including both on-balance-sheet and off-balance-sheet structures, tailored to partner needs and investor appetite.
Structure and negotiate forward flow agreements and ABS transactions, ensuring optimal pricing, credit enhancement, and scalability.
Develop and implement balance sheet optimization strategies, aligning capital deployment with risk-adjusted return targets and regulatory requirements.
Lead investor engagement and syndication efforts, cultivating relationships with banks, asset managers, insurance companies, and private credit funds to support Thread’s capital markets initiatives.
Collaborate with internal stakeholders including Credit, Risk, Operations, Product and Legal to ensure new programs meet policy standards and are operationally sound.
Drive product innovation across BaaS, LaaS, and PaaS, positioning Thread as a full-stack financial infrastructure provider capable of delivering deeply integrated and differentiated solutions to our partners.
Build and scale a high-performing team, aligned with Thread’s growth ambitions and budgetary framework.
Qualifications
Bachelor’s degree in Finance, Economics, Business, Computer Science, or a related field preferred. MBA or advanced degree is a plus.
CFA, FRM, or similar capital markets or risk-related certifications are a plus but not required.
8+ years of experience in capital markets, structured finance, fintech, or embedded lending.
Deep understanding of warehouse lending, forward flow agreements, ABS structuring, and lender-of-record models.
Experience working with or within fintech platforms, BaaS/LaaS providers, or regulated financial institutions.
Strong financial modeling and structuring skills.
Proficiency in Excel and financial software systems; familiarity with SQL, Python, or data tools is a plus.
Deep understanding of loan lifecycle management, including onboarding, payment processing, delinquency tracking, and investor reporting. Skilled in designing servicing workflows that align with regulatory requirements and investor expectations.
Proven ability to structure and execute loan sale transactions, including whole loan sales, participations, and forward flow agreements. Experience negotiating representations and warranties, pricing models, and settlement mechanics.
Proficient in analyzing loan performance data, servicing metrics, and investor feedback to optimize sale timing, pool composition, and servicing strategies.
Familiarity with servicing platforms and APIs that support real-time data exchange, payment reconciliation, and investor reporting. Ability to collaborate with engineering teams to enhance servicing infrastructure and automation.
Risk & Compliance Alignment: Skilled in aligning servicing operations with credit policy, risk tolerances, and compliance frameworks. Experience working with internal audit, legal, and risk teams to ensure servicing and sale practices meet regulatory standards.
Investor Communication: Capable of translating servicing performance and loan sale outcomes into actionable insights for institutional investors, rating agencies, and capital markets partners.
Excellent written and verbal communication skills with the ability to translate complex financial concepts into actionable strategies.
Strong interpersonal skills and executive presence to engage with institutional investors, fintech partners, and internal stakeholders.
Ability to manage and prioritize multiple initiatives in a fast-paced, high-growth environment.
Embraces radical candor and thrives in a culture of transparency and accountability.
Demonstrates product ownership mindset and a willingness to roll up their sleeves to get things done.
Passionate about pushing the boundaries of innovation to create meaningful products for our customers—and their customers.
Employee must be able to perform essential functions of the position and, if requested, Thread Bank will make reasonable accommodations to enable employees with disabilities to perform the essential functions of their job, absent undue hardship, in accordance with the ADA.
Thread Bank is an Equal Opportunity Employer. Thread Bank does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law.
All employment is decided on the basis of qualifications, merit, and business need. By submitting your application, you give Thread Bank permission to email, call, or text you using the contact details provided. We will only contact you with job-related information.
#J-18808-Ljbffr