Capital Markets Transaction Specialist

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.

We are seeking a Capital Markets Transaction Specialist with 3+ years of experience, ideally with a finance or accounting background, to join our growing Capital Markets team. You will be a key player in managing loan settlements, financial modeling, and transaction workflows that ensure accuracy, efficiency, and regulatory compliance.

Key Responsibilities

• Manage loan and commitment-level transactions to support loan settlements, pricing updates, extensions, cancellations, and renegotiations
• Responsible for the day-to-day relationship with investors whose trades the Transaction Specialist is managing; establish timelines for due diligence review and settlement deliverables
• Coordinate the execution of bailee letters and the shipment of collateral files to the investors’ custodians, while ensuring all necessary releases from interested parties are obtained
• Monitor due diligence process to ensure timely follow up with internal & external business partners for resolution of data and collateral defects preventing the sale of the loans as well as ensure all data delivered to the investor is accurate and complete while all loans meet the trade parameters
• Identify and confirm the final funding population with investors and facilitate the settlement process including the repricing of the trade, preparation of closing documentation, reviewing the funding schedule for accuracy, compiling mortgage loan schedule data, and communicating settlement funds to warehouse lenders and to the treasury department
• Use Excel and SQL to extract, analyze, and report on loan and transaction data
• Liaise with internal teams across Capital Markets, Finance, Operations, and Sales to ensure transaction accuracy and compliance with trade parameters
• Identify and recommend improvements to processes, systems, and reporting to enhance efficiency and accuracy
• Prepare detailed reports for management and stakeholders related to loan transactions, settlements, and market trends
• Stay current on mortgage finance industry regulations, market conditions, and best practices impacting capital markets transactions
• Demonstrate behaviors aligned with Cake’s core values of transparency, partnership, and innovation

• Bachelor’s degree in Finance, Economics, Business, or related field, or equivalent work experience
• 3+ years of relevant experience in mortgage finance, capital markets, or related financial services
• Strong proficiency with Microsoft Excel, including advanced functions, pivot tables, and financial modeling
• Working knowledge of SQL for database querying and data analysis
• Experience building and maintaining financial models for loan cash flows, pricing, and trade settlements
• Solid understanding of mortgage products, loan settlements, and secondary market transactions preferred
• Analytical thinker with strong problem-solving skills and attention to detail
• Excellent communication skills and ability to work cross-functionally in a fast-paced environment
• Self-starter with ability to manage multiple priorities and meet deadlines

Why Join CAKE Mortgage?

• Be part of a fast-growing company changing the game in Non-QM
• Competitive compensation and performance-based bonuses
• Collaborative and entrepreneurial culture
• Opportunities for career advancement and innovation

Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.