Capital Markets Manager
hace 5 días
City of London
Job title Capital Markets Manager Reports to MD – Finance & Capital Markets Department Capital Markets Location Central London office (Fitzrovia) / hybrid (3 days in office per week) Key internal stakeholders CEO, Senior Leadership Team, direct team, Product team Main external stakeholders Mortgage and corporate funders, rating agencies, third party suppliers linked to funding arrangements LiveMore exists to challenge the unfair NOs in the mortgage world. That’s why our mission is to empower mortgage brokers to lend more by turning NOs into YESs and by maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come. Using our unique LiveMore Mortgage Matcher® and LiveMore Maximum Borrowing Calculator decision engine technology, we excel at overcoming challenges involving affordability, risk and Consumer Duty. We innovate for customers and mortgage brokers in need, where others don’t – like with LiveMore’s current mortgages ‘up to’, ‘into’ and ‘in’ retirement. LiveMore is an innovative company with ambitious plans, and we know that our people are the key to achieving our goals. As evidence of our growth, in June 2025 we were recognised as one of the Top 100 Fastest Growing Companies in the UK by the Business Leaders 500. In 2025, we grew our annual lending volumes by over 80% to lend c.£350m and completed our second £200m+ RMBS securitisation. During 2026, we will exceed £1bn of AUM, build upon our strong track record with additional securitisation activity, and further diversify and enhance our funding mix. The role • The Capital Markets Associate will be involved in all capital markets activities for the LiveMore group of companies, including mortgage funding and corporate funding. The chosen candidate will work with the team’s existing Capital Markets Senior Analyst and Pricing Analyst, reporting into the MD – Finance & Capital Markets., • The Capital Markets Associate will assist the MD – Finance & Capital Markets in structuring, modelling, negotiating, completing and day-to-day operations of warehouse and forward-flow transactions, public and private securitisations including determining and executing optimal hedging structures, including both equity release and non-equity release mortgages., • At a corporate funding level, covering both debt and equity arrangements, the Capital Markets Associate will assist the MD – Finance & Capital Markets and Finance Director in structuring, negotiating, completing and day-to-day operations of corporate funding transactions and facilities and working closely with the Finance team to develop and maintain corporate forecasts., • The role spans preparation, diligence, execution, and post-completion phases of corporate funding processes and contributes to broader financial reporting and capital-structure-related analysis. Responsibilities Mortgage portfolio and funding • Monitor and manage existing mortgage funding arrangements, including warehouse structures and other funding arrangements., • Ensure all reporting and other contractual requirements are met., • Ensure portfolios meet all existing funding covenants., • Mortgage portfolio credit performance analysis and cashflow forecasting., • Monitor and manage portfolio hedging arrangements., • Work with funders and internal stakeholders to negotiate and implement amendments to existing facilities., • Work with Finance team to manage cash requirements and ensure processing of funds including drawdowns, settlements and distributions are done in an accurate and timely manner., • Work with rating agencies, funders and other third parties to prepare for, structure and negotiate private and public securitisation transactions and forward flow agreements., • Conduct market research to identify opportunities for third-party portfolio acquisition., • Prepare presentations and material for communications to third-party mortgage funders. Corporate funding and forecasting • Work with Finance team to maintain corporate forecast model and forecast future funding requirements and plan debt capital market transactions to maintain minimum levels required by the business., • Work with senior management to prepare presentations and material for communications to existing and potential third-party corporate funders., • Prepare and maintain supporting materials (funding models, sensitivities analysis, term-sheet comparisons, use-of-funds analysis, covenant summaries)., • Assist with lender and investor engagement processes (Q&A coordination, data-room support, execution-phase documentation review)., • Support post-completion activities (drawdown mechanics, covenant-tracking inputs, coordination with Finance on accounting, reporting, governance requirements). Providing inputs into internal MI, board materials, and investor reporting • Prepare analysis and documentation on the financial impact of financing decisions., • Support ad-hoc analysis or project work relating to capital structure, funding strategy, or corporate-level financing considerations. Cross-functional collaboration • Work closely with the Product team to design and fund LiveMore mortgage products., • Coordinate with Finance, Legal, Risk, Compliance, and wider senior management including, but not necessarily limited to funding projects and new product releases., • Support communication with external lenders, investors, rating agencies, and counsel. Committees • Work with MD – Finance & Capital Markets to prepare materials for the Senior Leadership Team, Finance, Assets & Liabilities sub-committee of the Board (FALCO) and to meet other Board reporting requirements. Requirements • Experience in public and/or private debt raisings., • Rating agency or non-bank lending background., • Understanding of interest rate risk and hedging strategies., • Commercial and analytical mindset with financial modelling skills., • Strong communication skills and stakeholder management., • Ability to multitask and prioritise key deliverables. Desirable • RMBS and warehouses across non-equity release mortgages., • RMBS and warehouses across equity release mortgages., • Corporate debt raising. Employee benefits and working environment • Growth shares., • Annual performance bonus (cash and growth shares)., • High-quality working environment in a central London office in the heart of Fitzrovia., • Hybrid working (3 days per week in office)., • 30 days’ holiday, plus UK bank holidays., • Private health cash reimbursement plan., • Employee pension contribution of 5% and employer contribution of 3%., • Salary-sacrifice pension scheme, saving marginal rate on contributions., • Salary-sacrifice nursery voucher scheme, as above., • Employee assistance programme.
