VP, Capital Markets Operations | Sage Home Loans at Red Ventures

Charlotte, NCFull-timeSage Home LoansPosted 23 days ago

About the Role

Preference for a hybrid schedule based in our Fort Mill, SC office (Tuesday through Thursday) and work fully remotely on Mondays and Fridays each week For the Sage Home Loans website <a href="https://www.sagehomeloans.com/" target="_blank">click here</a>. Curious how Sage Home Loans fits into Red Ventures? <a href="https://www.redventures.com/portfolio/sage-home-loans" target="_blank">Click here.</a>  At Sage, our mission is to revolutionize the mortgage industry by making mortgage simple — and the Capital Markets Operations team is the engine that keeps that promise moving from rate lock to investor purchase. In partnership with our CEO, the VP, Capital Markets Operations will own pricing strategy, the lock desk, secondary marketing, and post-closing/shipping, bringing an ownership mindset to every pricing and hedging decision this team makes. This leader knows that every second counts — a delayed lock or a slow ship costs real trust and real margin — and is just as committed to winning the right way, protecting the bottom line without ever compromising compliance or the client experience. If you're someone who translates market complexity into clear strategy, who's led leaders and built benches before, and who wants to be the single point of accountability for how loans move from lock to purchase, we'd love for you to be part of the journey.  What You’ll Do: Pricing & Hedging  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="1" data-aria-level="1">Own rate sheet strategy and daily pricing decisions, balancing competitiveness against margin targets. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="2" data-aria-level="1">Set and maintain loan-level pricing adjustments (LLPAs), buy-up/buy-down structure, and exception pricing policy. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="3" data-aria-level="1">Partner with Sales leadership on pricing competitiveness and with Finance on margin performance. </li> </ul> Lock Desk  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="4" data-aria-level="1">Oversee rate lock operations: lock requests, extensions, relocks, and expiration management. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="5" data-aria-level="1">Set lock desk policy and exception rules; ensure leaders and teammates apply them consistently. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="6" data-aria-level="1">Monitor pipeline lock status to prevent fallout and protect pull-through. </li> </ul> Secondary Marketing  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="7" data-aria-level="1">Manage the loan sale process to investors and execute the hedging strategy that protects the company from rate risk. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="8" data-aria-level="1">Maintain investor relationships and delivery commitments; evaluate execution across investor channels. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="9" data-aria-level="1">Monitor market conditions and adjust strategy as rates and investor appetite shift. </li> </ul> Post-Closing / Shipping  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="10" data-aria-level="1">Own the post-closing process: final document collection, loan file completion, and investor shipping. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="11" data-aria-level="1">Set and monitor turn-time and defect-rate standards for shipping and investor purchase. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="12" data-aria-level="1">Resolve suspense items and investor conditions; escalate systemic defect trends back to Closing and Underwriting. </li> </ul> Cross-Functional & People Leadership  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="13" data-aria-level="1">Lead the leaders and teammates: set priorities, develop leaders, and build a bench. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="14" data-aria-level="1">Partner with Sales, Operations, Finance, Marketing, and Engineering teams on cross-team issues. </li> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="15" data-aria-level="1">Represent capital markets and secondary operations in company-wide planning and risk conversations. </li> </ul> What Success Looks Like:  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="16" data-aria-level="1">Pricing stays competitive without eroding margin targets. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="17" data-aria-level="1">Lock desk exceptions and relocks trend down; lock-to-funded pull-through improves. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="18" data-aria-level="1">Loans ship clean the first time; investor suspense volume and aging trend down — because we believe every second counts. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="19" data-aria-level="1">Turn times hold at or below target across post-closing and shipping. </li> </ul> What We’re Looking For: Required  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="20" data-aria-level="1">7+ years in mortgage capital markets, secondary marketing, or related operations, with direct experience in at least two of the four functional areas above. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="21" data-aria-level="1">Demonstrated ownership of pricing strategy or hedging execution in a production mortgage environment. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="22" data-aria-level="1">People leadership experience — has led leaders, not just individual contributors. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="23" data-aria-level="1">Working knowledge of investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) and loan-level pricing mechanics. </li> </ul> Preferred  <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="24" data-aria-level="1">Experience standing up or upleveling a combined capital markets/operations function. </li> </ul> <ul> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="25" data-aria-level="1">Familiarity with Sage's LOS/pricing engine stack (or comparable systems) and willingness to work in an agentic-forward, tech-heavy environment. </li> <li data-leveltext="•" data-font="" data-listid="2" data-list-defn-props="{"335552541":1,"335559685":360,"335559991":360,"469769242":[8226],"469777803":"left","469777804":"•","469777815":"hybridMultilevel"}" data-aria-posinset="26" data-aria-level="1">Direct-to-consumer or high-volume digital lending background. </li> </ul> Compensation: Total Cash Compensation Range: $230k – $350k per year This role is eligible for a target bonus, which is included in the Total Cash Compensation Range above. This role is also eligible for Equity, which is offered separately from the Total Cash Compensation Range listed above. Actual compensation varies based on location, experience, and qualifications. Additionally, the following benefits are provided by Red Ventures, subject to eligibility requirements. <ul> <li>Health Insurance Coverage (medical, dental, and vision)</li> <li>Life Insurance</li> <li>Short and Long-Term Disability Insurance</li> <li>Flexible Spending Accounts</li> <li>Holiday Pay</li> <li>401(k) with match</li> <li>Employee Assistance Program</li> <li>Paid Parental Bonding Benefit Program</li> <li>Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential.  That’s why we offer a generous and flexible PTO policy.  Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.</li> </ul> Who We Are: <a href="https://www.sagehomeloans.com/?gclid=Cj0KCQiA5NSdBhDfARIsALzs2EDuK_Tw-6rPaC9NeAivNF2FlFpS-bTV0Q-RAF5m5CoiQRZSoUAp2O4aAjMFEALw_wcB">Sage Home Loans Corporation</a> is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions, we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.   Red Ventures is a global portfolio of high-growth companies — spanning several U.S. businesses, a joint venture in the health services industry, and strategic investments in Europe and Puerto Rico. Their businesses include The Points Guy, Lonely Planet, Bankrate, the Allconnect Platform, RV Home Client Growth, RV Growth & Transformation, Sage Home Loans Corporation, RV Education and more. Across the portfolio, Red Ventures businesses deliver seamless digital experiences for consumers, help Fortune 100 clients solve large-scale digital growth challenges, and create world-class experiences and opportunities for employees. Learn more at <a href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fredventures.com%2F&data=05%7C02%7Cacrowley%40redventures.com%7Cea997034b72842b377fa08dc57e4bb6b%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638481887104412955%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=OVoyv3B3hanxF5F7JLhW4lhQJiNLOzhz1JnE%2FarrqSo%3D&reserved=0">redventures.com</a> and follow @RedVentures on LinkedIn and Instagram. At Red Ventures, we believe diverse, inclusive teams are better. To help you better understand our core values and beliefs, we encourage you to watch this brief YouTube video: <a href="https://www.youtube.com/watch?v=rH8sAwf4T34">Our Belief Statements</a>. This will give you insight into the principles that guide our work and our commitment to fostering an inclusive environment.  We offer competitive salaries and a comprehensive benefits program for full-time employees, including medical, dental and vision coverage, paid time off, life insurance, disability coverage, employee assistance program, 401(k) plan and a paid parental leave program. Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a person's merit and qualifications.  We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process, please contact [email protected].  If you are based in California, we encourage you to read this important information for California residents linked<a href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.redventures.com%2Flegal%2Fus-emp-privacy-notice&data=05%7C02%7Cacrowley%40redventures.com%7Cea997034b72842b377fa08dc57e4bb6b%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638481887104427040%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=PRPMbTtl0hah8XH0gW55ohdL4VLjIou2X7wbZAmhbac%3D&reserved=0"> here</a>. At Red Ventures, we believe in real human connection. That’s why we do not hire someone through text, social media, or email only. As part of the hiring process, you should expect live conversations with RV teammates before any offer is made. Also, keep an eye on the sender: we only use official @redventures.com email addresses at the portfolio level or business specific email addresses (e.g., @thepointsguy.com), not ones like “redventurescareer.com.” We will never ask candidates to send money, buy equipment, or share financial account info during your journey with us. You can always find our open roles on redventures.com— if you receive a message that seems suspicious, please use redventures.com to verify the opportunity. For more, the U.S. Federal Trade Commission has published helpful articles to help individuals learn more about protecting themselves from recruiter scams. If you think you’ve been targeted, feel free to report it to your local authorities. Stay safe out there!<div class="content-conclusion">Click here for more details regarding the employee privacy policy: <a class="c-link" href="https://www.redventures.com/legal/us-emp-privacy-notice" target="_blank" data-stringify-link="https://www.redventures.com/legal/us-emp-privacy-notice" data-sk="tooltip_parent">https://www.redventures.com/legal/us-emp-privacy-notice </a> Questions about this Privacy Notice can be directed to <a href="mailto:[email protected]">[email protected]</a>. Alternatively, you may raise any questions or concerns to your manager, HR Business Partner, or through the Privacy Team.</div>

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