Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

The Director, Treasury Operations is responsible for managing the company’s liquidity, maintaining banking relationships, developing financial strategies and long term financial plans and risk management. The Director, Treasury Operations will oversee the day to day operations of warehouse lending including the operational areas of funding, wire confirmations, and warehouse reporting. This individual will also manage the banking relationships and continue to develop a strategic framework for Capital and Liquidity.

What you’ll do:

• Develop strategic framework for capital and liquidity in multiple lending environments
• Maintain banking relationships, including participating in the renewal of exiting warehouse lines of credit and development of new sources of warehouse lines and other borrowing sources
• Forecast cash flow positions, related borrowing needs and optimization of warehouse lines of credit and ensure the Company is meeting its covenants. Analyze/develop budgets, projections and other sources of financial information to develop short and long term forecasts of the company’s liquidity needs
• Ensure that sufficient funds are available to meet on-going operational and loan funding needs
• Oversee the cash management operations to achieve maximum utilization of cash assets and borrowing capabilities, including receipt of funds, utilization of warehouse and MSR line of credit and availability of funds for outstanding and planned activities
• Maintain and document a system of policies and procedures that impose adequate controls over treasury activities that meet or exceed all company and regulatory requirements
• Other management and financial reporting functions and responsibilities as may be assigned

Who you are:

• Education: Bachelor’s degree in accounting or finance required
• Minimum 8+ years of progressively responsible positions in Treasury; minimum 8+ years of leadership
• Proven ability to perform with a high degree of accuracy under tight deadlines and to manage multiple projects.
• Excellent oral and written communication skills; ability to effectively present information and respond to inquiries from groups of managers, employees, vendors, government agents, secondary market partners, and the general public
• Previous mortgage experience
• Very high reasoning skills; ability to define problems, collect data, establish facts, and draw valid conclusions

Preferred Qualifications:

• MBA or advanced degree preferred

Why you’ll love working at Lower:

• You’ll be surrounded by talented, dedicated people who believe in the company’s mission.
• You’ll be able to shape the future of Lower’s user experience.
• You’ll join a locally and nationally recognized best place to work that values promotion from within.
• There is opportunity for professional growth and development.

Plus:

• Competitive compensation plan
• Extended benefit offerings including: Medical/dental/vision
• Paid holidays
• Paid time off
• Parental leave
• Life insurance
• Short- and long-term disability
• 401K with company match
• Discount on home mortgage refinances or purchase

Job Type: Full-time

Work Location: on-site, hybrid, or remote! On-site opportunity would be in Columbus, OH.

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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