Sr. Analyst/Associate, Capital Markets (SBA 7(a))

Sr. Analyst/Associate, Capital Markets (SBA 7(a))

Ready Capital (NYSE: RC) is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans. We specialize in loans backed by commercial real estate, including agency, multifamily, investor and bridge as well as SBA 7(a) business loans. Headquartered in New York City, Ready Capital employs over 400 lending professionals nationwide.

We are seeking a Sr. Analyst, Capital Markets (SBA 7(a)) to join the Treasury/Capital Markets team. This role will support the execution and ongoing management of SBA 7(a) loan financing activities, including loan pledging, collateral reporting, and coordination with internal stakeholders and external financing counterparties. The ideal candidate is analytically strong, highly detail-oriented, and comfortable operating in a fast-paced, execution-focused environment. Open to employees in the NY/NJ/CT area as a hybrid role, reporting into our mid-town Manhattan office, or remote for qualified candidates in other states.

Key Responsibilities:

• Loan Pledging & Facility Management
  • Manage the end-to-end process for pledging SBA 7(a) loans into financing facilities
  • Ensure compliance with borrowing base requirements, eligibility criteria, and lender reporting obligations
  • Maintain accurate collateral tracking and resolve any diligence or eligibility issues with internal teams and lenders
  • Support ongoing facility maintenance, including reporting, covenant tracking, and audit/diligence requests
• Capital Markets Execution
  • Support the execution of SBA 7(a) securitizations, including pool assembly, data tape validation, and transaction coordination
  • Assist in structuring, pricing support, and execution logistics
  • Work closely with internal stakeholders to ensure timely execution and accurate reporting of securitization activity
• Cross-Functional Coordination
  • Partner with the SBA originations team to track pipeline and ensure loans are financeable and meet facility requirements
  • Act as a key liaison between originations, asset management, and financing counterparties
  • Coordinate with legal, compliance, and external counterparties as needed
• Lender & Counterparty Interaction
  • Serve as a point of contact for warehouse lenders on collateral, reporting, and ongoing facility matters
  • Respond to lender diligence requests in a timely and organized manner
  • Support facility amendments, renewals, and onboarding/offboarding of collateral

Qualifications:

• Bachelor's degree (Finance, Accounting, Economics, Real Estate, or related field preferred).
• 1–3 years of experience in capital markets, structured finance, warehouse lending, SBA lending, or related financial services roles
• Familiarity with SBA 7(a) loans, securitizations, or loan financing structures is strongly preferred
• Strong understanding of loan data, collateral eligibility, and financing mechanics
• Advanced Excel skills and ability to manage large data sets with a high degree of accuracy
• Highly organized with strong attention to detail and the ability to manage multiple processes simultaneously
• Strong communication skills and ability to work cross-functionally in a team-oriented environment

Note: This job description is not intended to be all inclusive or exclusive. At any time, employees may perform other related duties as required to meet the ongoing needs of the organization and participate in additional trainings. Ready Capital offers a generous PTO policy and paid holidays, the terms of which are set forth in the program policies. All full-time employees also are eligible to participate in various benefit plans, including medical, dental, vision, life, disability insurance and 401K; in each case in accordance with the terms of the applicable plans.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Ready Capital is an equal opportunity employer (EOE)

Pay Range:

The annual full-time salary range for this role is: $75,000 - $90,000 Final compensation will be determined based on experience, qualifications, and performance. Additionally, certain positions may be eligible to receive a discretionary bonus as determined by bonus program guidelines, performance and approval.