Capital Markets Analyst

Welcome to Ternus, where our foundation is built on a simple yet transformative idea: a lending company created by investors, for investors. In the dynamic world of real estate investment, we saw a gap – a need for a lender who not only provides funds but understands the journey, challenges, and aspirations of fellow investors. That’s where our story begins.

Capital Markets Analyst

Department: Capital Markets / Finance

Reports To: VP of FP&A

Role Summary

The Capital Markets Analyst is an entry-level role focused on data management, reporting, and administrative support for the firm's loan sale operations. Working under direct supervision, this role helps prepare loan packages for sale, maintain data accuracy, tracks execution workflows, and supports basic reporting needs.

This position requires solid Excel skills, strong attention to detail, and the ability to learn quickly in a fast-paced lending environment.

Key Responsibilities

Data Preparation & Quality Control

Gather and organize loan data for potential sales and financing, including:

Whole loan sales

Fractional sales / leveraged participation

Hold vs sell recommendations based on capital efficiency

Prepare loan tapes and data files for senior team review

Run data quality checks and flag inconsistencies

Track execution outcomes and turn time by partner.

Pricing, Profitability & Capital Efficiency Analytics

Maintain recurring reports and pipeline inventory and sale-ready loans

Pull data and create summaries to support senior team analysis

Assist in analyzing:

Gain-on-sale and margin impacts

Liquidity and velocity considerations

Concentration and risk constraints

Capital recycling and funding capacity

Loan Tape & Collateral Package Preparation

Prepare loan tapes and collateral summaries for investors and partners.

Verify loan data accuracy across key fields such as:

Product type, rate, term, lien position

LTV/LTC/ARV and DSCR (where applicable)

Geography, property type, borrower concentration

Status milestones (funded, cleared for sale, payoff risk, extensions)

Identify common data errors/bottlenecks and provide suggestions for improvement

Transaction Support & Operational Coordination

Support daily operation workflow including:

Bid tracking and comparisons

Due diligence requests and data pulls

Settlement tracking and status updates

Coordinate with internal teams (Sales, Underwriting, Closing, Servicing, Accounting) to escalate data issues quickly and keep execution timelines on track.

Process Improvement

Identify recurring bottlenecks, data gaps, and execution inefficiencies.

Develop understanding of loan sale processes and capital markets operations

Support standardization of templates, reporting formats, and process documentation.

Ask questions and seek feedback to expedite the learning curve

Required Qualifications

Bachelor’s degree in Finance, Economics, Accounting, or a related field (required).

0–2 years of experience in financial analysis, lending, capital markets, private credit, banking, or a similar analytical role.

Solid proficiency in Excel (pivot tables, XLOOKUP/VLOOKUP, SUMIFS, data validation; comfort working with large datasets).

Strong attention to detail

Eagerness to learn and grow in capital markets and lending operations

Compensation Range

$65,000-$85,000