Financial Reporting Manager

Job TitleAttain Finance's Lender Reporting and Capital Markets Reporting Function OwnerJob DescriptionAttain Finance is a leading consumer credit lender serving U.S. and Canadian customers for over 50 years. Our roots in the consumer finance market run deep. We've worked diligently to provide customers with a variety of convenient, easily accessible financial services. Our decades of diversified data power a hard-to-replicate underwriting and scoring engine, mitigating risk across the full spectrum of credit products. Our brands include Heights Finance in the United States and LendDirect and Cash Money in Canada.This role will serve as the primary owner of Attain Finance's lender reporting and capital markets reporting function, with responsibility for ensuring all facility, securitization, warehouse, ABS investor, trustee, and related reporting obligations are completed accurately, timely, and in compliance with governing transaction documents.This role is based out of our Greenville, SC office.ResponsibilitiesOwn the end-to-end preparation, review, and timely delivery of all lender reporting and capital markets reporting requirementsManage a team of capital markets reporting analystsOversee and manage recurring reporting deliverables, including borrowing base certificates, funding requests, monthly servicer reports, compliance certificates, trustee reports, investor reports, and lender-specific reporting packagesMaintain and manage the lender reporting calendar across warehouse facilities, securitizations, ABS transactions, forward flow arrangements, and other capital markets facilitiesInterpret reporting requirements within credit agreements, indentures, servicing agreements, note purchase agreements, and other transaction documents, and ensure reporting outputs comply with those requirementsOversee loan-level data extraction, validation, reconciliation, and transformation used in borrowing base reporting, collateral reporting, securitization reporting, and investor reportingEnsure reported balances, collateral statistics, eligibility criteria, covenant calculations, and performance metrics reconcile to servicing systems, data warehouses, general ledger balances, bank activity, and prior-period reportingMonitor borrowing capacity, collateral availability, eligibility exclusions, concentration limits, advance rates, utilization levels, covenant compliance, and trigger thresholdsIdentify and escalate potential reporting, covenant, collateral eligibility, or borrowing base issues to ALCO and senior management in a timely mannerDevelop, maintain, and enforce reporting controls, including checklists, review procedures, tie-out documentation, exception logs, approval workflows, and evidence retentionMaintain and enhance formal review, approval, and certification processes for all lender, trustee, investor, and capital markets reporting deliverables.Serve as a primary point of contact for lenders, trustees, back-up servicers, rating agencies, auditors, verification agents, and other external capital markets stakeholders on recurring reporting mattersManage responses to lender, trustee, rating agency, investor, auditor, and back-up servicer questions related to collateral, portfolio performance, covenant compliance, borrowing capacity, and reporting methodologyLead the reporting implementation process for new or amended capital markets transactions, including mapping new reporting requirements, establishing data sources, creating reporting templates, and coordinating internal ownershipSupport lender audits, collateral verification reviews, agreed-upon procedures, back-up servicer reviews, data diligence, and transaction-related due diligence processesInvestigate reporting discrepancies, data quality issues, covenant calculation differences, and collateral eligibility exceptions; coordinate timely resolution and root-cause remediationMaintain centralized documentation of reporting processes, data definitions, report mapping, transaction-specific requirements, covenant calculations, and procedural controlsIdentify opportunities to automate, standardize, and improve lender reporting and capital markets reporting processes, including enhanced use of controlled data sources, reporting tools, and workflow technologyPrepare periodic reporting for Treasury, ALCO, and senior management summarizing facility utilization, borrowing capacity, collateral performance, reporting exceptions, compliance status, and emerging risksCoordinate with internal teams, including Treasury, Accounting, FP&A, Credit, Operations, Legal, Compliance, IT/Data, and Internal Audit to ensure complete and accurate reportingEnsure appropriate cross-training, back-up coverage, and continuity planning for all critical lender reporting and capital markets reporting processesProvide leadership, guidance, and performance management to ensure team success.QualificationsBachelor's degree in Finance, Accounting or other related field from an accredited college or university5+ years of prior experience in Treasury, Capital Markets or similar roleStrong Excel modeling and data validation skills; experience working with loan-level data, SQL, Snowflake, Power BI, or similar data tools preferred.Experience with structured finance, warehouse facilities, securitizations, lender reporting, borrowing base certificates, or trust/servicer reporting is preferredAbility to read and operationalize credit agreements, indentures, servicing agreements, and investor reporting requirementsExperience designing controls, reconciliations, and review procedures for high-volume financial or operational reportingComfort working with large datasets and translating data into lender-ready and management-ready reportingExcellent communication skills with acute attention to detailDemonstrated ability to work under recurring deadline pressure with a high degree of accuracyAbility to multi-task and manage multiple simultaneous workstreamsStrong analytical skills, with ability to problem solveBase Salary: $125,000 - $140,000 USDThe base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.All full-time salaried employees are eligible for the following benefits, starting on day one: Flexible Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match.This employer participates in E-Verify for US-based hires.EEO StatementAttain Finance Supports Equal Employment Opportunity. Attain Finance (dba Cash Money®, LendDirect®, and Heights Finance) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works.Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com, @heightsfinance.com, @lenddirect.com, and @cashmoney.ca.