VP, Capital Markets Operations | Sage Home Loans
Red Ventures · Charlotte, NC · 1 mo ago
$230k–$350k/yrFull-time
We need to output HTML fragment with sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real content.
We must parse the job posting.
Key info:
- Preference for hybrid schedule based in Fort Mill, SC office (Tuesday through Thursday) and work fully remote on Mondays and Fridays each week.
- About the role: description: At Sage, our mission... etc. Also "What You’ll Do" sections.
- Responsibilities: list of duties: Pricing & Hedging, Lock Desk, Secondary Marketing, Post-Closing / Shipping, Cross-Functional & People Leadership.
- Requirements: "What We’re Looking For:" bullet list: 7+ years..., Demonstrated ownership..., People leadership experience..., Working knowledge..., etc.
- Qualifications: maybe "Preferred Experience ..."? Could treat as Qualifications.
- Skills: maybe not explicit; we could infer from responsibilities but better not to invent. Could skip Skills if no explicit list.
- Benefits: list: Health Insurance Coverage (medical, dental, and vision), Life Insurance, Short and Long-Term Disability Insurance, Flexible Spending Accounts, Holiday Pay, 401(k) with match, Employee Assistance Program, Paid Parental Bonding Benefit Program, Flexible Paid Time Off (PTO): details.
- Pay: Compensation Total Cash Compensation Range: $230k – $350k per year. Also mention target bonus included, equity separate.
- Schedule: hybrid schedule description.
We must not repeat job title as heading. No Job ID.
We must not include boilerplate like EEO, legal, etc.
We must output only HTML fragment, no /, no markdown fences.
We need to use for section headings.
Use
for section headings.
Use - for any list of duties/requirements/benefits, and
for prose.
We must preserve all substantive information; do not invent or summarize away detail.
We must not create sections with filler like "commensurate with experience". So only include sections with real content.
We need to decide which sections to include:
- About the role: we have a paragraph describing mission and role. Could be placed under About the role.
- Responsibilities: we have bullet list of duties (Pricing & Hedging, Lock Desk, Secondary Marketing, Post-Closing / Shipping, Cross-Functional & People Leadership). Each has sub-bullets. We can flatten into
- items, maybe include sub-details as part of li text.
- Requirements: bullet list under "What We’re Looking For:" includes multiple items. We'll put under Requirements.
- Qualifications: maybe "Preferred Experience ..." could be Qualifications. Also "Working knowledge of investor guidelines" is already in Requirements? Actually that is under Requirements. Preferred items could be Qualifications.
- Skills: not explicit; maybe we could skip.
- Benefits: list.
- Pay: compensation details.
- Schedule: hybrid schedule.
We need to ensure we don't duplicate content.
Let's extract sections.
About the role: The paragraph starting "At Sage, our mission is to revolutionize the mortgage industry..." plus maybe "In partnership with our CEO, the VP, Capital Markets Operations will own pricing strategy..." That's part of role description. We'll put that as prose under About the role.
Responsibilities: The "What You’ll Do" section with subheadings: Pricing & Hedging, Lock Desk, Secondary Marketing, Post-Closing / Shipping, Cross-Functional & People Leadership. Each has bullet points. We'll create a
with - for each main responsibility, and within each li we can include sub-details as sentences separated by commas or semicolons. Must not invent.
We need to preserve all substantive information: So include each bullet.
Let's list them:
Pricing & Hedging:
- Own rate sheet strategy and daily pricing decisions, balancing competitiveness against margin targets.
- Set and maintain loan-level pricing adjustments (LLPAs), buy-up/buy-down structure, and exception pricing policy.
- Partner with Sales leadership on pricing competitiveness and with Finance on margin performance.
Lock Desk:
- Oversee rate lock operations: lock requests, extensions, relocks, and expiration management.
- Set lock desk policy and exception rules; ensure leaders and teammates apply them consistently.
- Monitor pipeline lock status to prevent fallout and protect pull-through.
Secondary Marketing:
- Manage the loan sale process to investors and execute the hedging strategy that protects the company from rate risk.
- Maintain investor relationships and delivery commitments; evaluate execution across investor channels.
- Monitor market conditions and adjust strategy as rates and investor appetite shift.
Post-Closing / Shipping:
- Own the post-closing process: final document collection, loan file completion, and investor shipping.
- Set and monitor turn-time and defect-rate standards for shipping and investor purchase.
- Resolve suspense items and investor conditions; escalate systemic defect trends back to Closing and Underwriting.
Cross-Functional & People Leadership:
- Lead the leaders and teammates: set priorities, develop leaders, and build a bench.
- Partner with Sales, Operations, Finance, Marketing, and Engineering teams on cross-team issues.
- Represent capital markets and secondary operations in company-wide planning and risk conversations.
Also "What Success Looks Like" could be considered part of responsibilities or maybe separate but not a heading we have. Could include under Responsibilities as additional bullet? It's more outcomes. Might be okay to include as part of Responsibilities or maybe as a separate section like "Success Metrics" but not in allowed headings. We could incorporate into Responsibilities as additional bullet.
But we must not invent headings; we can add a bullet under Responsibilities for success metrics.
Now Requirements: "What We’re Looking For:" bullet list:
- 7+ years in mortgage capital markets, secondary marketing, or related operations, with direct experience in at least two of the four functional areas above.
- Demonstrated ownership of pricing strategy or hedging execution in a production mortgage environment.
- People leadership experience — has led leaders, not just individual contributors.
- Working knowledge of investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) and loan-level pricing mechanics.
We could also include "Preferred Experience standing up or upleveling a combined capital markets/operations function." etc. That's under Preferred Experience; we could treat as Qualifications.
Qualifications: Preferred Experience:
- Experience standing up or upleveling a combined capital markets/operations function.
- Familiarity with Sage's LOS/pricing engine stack (or comparable systems) and willingness to work in an agentic-forward, tech-heavy environment.
- Direct-to-consumer or high-volume digital lending background.
We could also include "Compensation" etc but that's Pay.
Skills: Not explicit; maybe we could skip.
Benefits: list:
- Health Insurance Coverage (medical, dental, and vision)
- Life Insurance
- Short and Long-Term Disability Insurance
- Flexible Spending Accounts
- Holiday Pay
- 401(k) with match
- Employee Assistance Program
- Paid Parental Bonding Benefit Program
- 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.
We could also include other benefits mentioned later: "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." That's redundant; we already have.
Pay: 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.
Schedule: 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.
Now we need to output HTML fragment with sections only if they have content.
We'll include:
About the role
...
Responsibilities
- ...
...
Requirements
- ...
...
Qualifications
- ...
...
Benefits
- ...
...
Pay
...
Schedule
...
We must not include empty sections.
Now craft the prose.
About the role paragraph: Combine the mission description and role overview.
Original: "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."
We'll put that as .
Now Responsibilities: We'll list each main responsibility as
- with sub-points maybe separated by semicolons.
We need to preserve all substantive information; we can include sub-bullets as separate sentences inside the li.
Let's craft:
-
Pricing & Hedging: Own rate sheet strategy and daily pricing decisions, balancing competitiveness against margin targets; set and maintain loan-level pricing adjustments (LLPAs), buy-up/buy-down structure, and exception pricing policy; partner with Sales leadership on pricing competitiveness and with Finance on margin performance.
Similarly for others.
We also include "What Success Looks Like" maybe as separate li: "Success metrics: pricing stays competitive without eroding margin targets; lock desk exceptions and relocks trend down; lock-to-funded pull-through improves; loans ship clean the first time; investor suspense volume and aging trend down; turn times hold at or below target across post-closing and shipping."
We'll include that as li.
Now Requirements list:
- 7+ years in mortgage capital markets, secondary marketing, or related operations, with direct experience in at least two of the four functional areas above.
- Demonstrated ownership of pricing strategy or hedging execution in a production mortgage environment.
- People leadership experience — has led leaders, not just individual contributors.
- Working knowledge of investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) and loan-level pricing mechanics.
Now Qualifications (Preferred):
- Experience standing up or upleveling a combined capital markets/operations function.
- Familiarity with Sage's LOS/pricing engine stack (or comparable systems) and willingness to work in an agentic-forward, tech-heavy environment.
- Direct-to-consumer or high-volume digital lending background.
Now Benefits list:
- Health Insurance Coverage (medical, dental, and vision)
- Life Insurance
- Short and Long-Term Disability Insurance
- Flexible Spending Accounts
- Holiday Pay
- 401(k) with match
- Employee Assistance Program
- Paid Parental Bonding
for prose. We must preserve all substantive information; do not invent or summarize away detail. We must not create sections with filler like "commensurate with experience". So only include sections with real content. We need to decide which sections to include: - About the role: we have a paragraph describing mission and role. Could be placed under About the role. - Responsibilities: we have bullet list of duties (Pricing & Hedging, Lock Desk, Secondary Marketing, Post-Closing / Shipping, Cross-Functional & People Leadership). Each has sub-bullets. We can flatten into
- items, maybe include sub-details as part of li text.
- Requirements: bullet list under "What We’re Looking For:" includes multiple items. We'll put under Requirements.
- Qualifications: maybe "Preferred Experience ..." could be Qualifications. Also "Working knowledge of investor guidelines" is already in Requirements? Actually that is under Requirements. Preferred items could be Qualifications.
- Skills: not explicit; maybe we could skip.
- Benefits: list.
- Pay: compensation details.
- Schedule: hybrid schedule.
We need to ensure we don't duplicate content.
Let's extract sections.
About the role: The paragraph starting "At Sage, our mission is to revolutionize the mortgage industry..." plus maybe "In partnership with our CEO, the VP, Capital Markets Operations will own pricing strategy..." That's part of role description. We'll put that as prose under About the role.
Responsibilities: The "What You’ll Do" section with subheadings: Pricing & Hedging, Lock Desk, Secondary Marketing, Post-Closing / Shipping, Cross-Functional & People Leadership. Each has bullet points. We'll create a
- with
- for each main responsibility, and within each li we can include sub-details as sentences separated by commas or semicolons. Must not invent.
We need to preserve all substantive information: So include each bullet.
Let's list them:
Pricing & Hedging:
- Own rate sheet strategy and daily pricing decisions, balancing competitiveness against margin targets.
- Set and maintain loan-level pricing adjustments (LLPAs), buy-up/buy-down structure, and exception pricing policy.
- Partner with Sales leadership on pricing competitiveness and with Finance on margin performance.
Lock Desk:
- Oversee rate lock operations: lock requests, extensions, relocks, and expiration management.
- Set lock desk policy and exception rules; ensure leaders and teammates apply them consistently.
- Monitor pipeline lock status to prevent fallout and protect pull-through.
Secondary Marketing:
- Manage the loan sale process to investors and execute the hedging strategy that protects the company from rate risk.
- Maintain investor relationships and delivery commitments; evaluate execution across investor channels.
- Monitor market conditions and adjust strategy as rates and investor appetite shift.
Post-Closing / Shipping:
- Own the post-closing process: final document collection, loan file completion, and investor shipping.
- Set and monitor turn-time and defect-rate standards for shipping and investor purchase.
- Resolve suspense items and investor conditions; escalate systemic defect trends back to Closing and Underwriting.
Cross-Functional & People Leadership:
- Lead the leaders and teammates: set priorities, develop leaders, and build a bench.
- Partner with Sales, Operations, Finance, Marketing, and Engineering teams on cross-team issues.
- Represent capital markets and secondary operations in company-wide planning and risk conversations.
Also "What Success Looks Like" could be considered part of responsibilities or maybe separate but not a heading we have. Could include under Responsibilities as additional bullet? It's more outcomes. Might be okay to include as part of Responsibilities or maybe as a separate section like "Success Metrics" but not in allowed headings. We could incorporate into Responsibilities as additional bullet.
But we must not invent headings; we can add a bullet under Responsibilities for success metrics.
Now Requirements: "What We’re Looking For:" bullet list:
- 7+ years in mortgage capital markets, secondary marketing, or related operations, with direct experience in at least two of the four functional areas above.
- Demonstrated ownership of pricing strategy or hedging execution in a production mortgage environment.
- People leadership experience — has led leaders, not just individual contributors.
- Working knowledge of investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) and loan-level pricing mechanics.
We could also include "Preferred Experience standing up or upleveling a combined capital markets/operations function." etc. That's under Preferred Experience; we could treat as Qualifications.
Qualifications: Preferred Experience:
- Experience standing up or upleveling a combined capital markets/operations function.
- Familiarity with Sage's LOS/pricing engine stack (or comparable systems) and willingness to work in an agentic-forward, tech-heavy environment.
- Direct-to-consumer or high-volume digital lending background.
We could also include "Compensation" etc but that's Pay.
Skills: Not explicit; maybe we could skip.
Benefits: list:
- Health Insurance Coverage (medical, dental, and vision)
- Life Insurance
- Short and Long-Term Disability Insurance
- Flexible Spending Accounts
- Holiday Pay
- 401(k) with match
- Employee Assistance Program
- Paid Parental Bonding Benefit Program
- 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.
We could also include other benefits mentioned later: "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." That's redundant; we already have.
Pay: 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.
Schedule: 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.
Now we need to output HTML fragment with sections only if they have content.
We'll include:
About the role
...
Responsibilities
- ... ...
Requirements
- ... ...
Qualifications
- ... ...
Benefits
- ... ...
Pay
...
Schedule
...
We must not include empty sections. Now craft the prose. About the role paragraph: Combine the mission description and role overview. Original: "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." We'll put that as. Now Responsibilities: We'll list each main responsibility as
- with sub-points maybe separated by semicolons. We need to preserve all substantive information; we can include sub-bullets as separate sentences inside the li. Let's craft:
- Pricing & Hedging: Own rate sheet strategy and daily pricing decisions, balancing competitiveness against margin targets; set and maintain loan-level pricing adjustments (LLPAs), buy-up/buy-down structure, and exception pricing policy; partner with Sales leadership on pricing competitiveness and with Finance on margin performance. Similarly for others. We also include "What Success Looks Like" maybe as separate li: "Success metrics: pricing stays competitive without eroding margin targets; lock desk exceptions and relocks trend down; lock-to-funded pull-through improves; loans ship clean the first time; investor suspense volume and aging trend down; turn times hold at or below target across post-closing and shipping." We'll include that as li. Now Requirements list:
- 7+ years in mortgage capital markets, secondary marketing, or related operations, with direct experience in at least two of the four functional areas above.
- Demonstrated ownership of pricing strategy or hedging execution in a production mortgage environment.
- People leadership experience — has led leaders, not just individual contributors.
- Working knowledge of investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) and loan-level pricing mechanics. Now Qualifications (Preferred):
- Experience standing up or upleveling a combined capital markets/operations function.
- Familiarity with Sage's LOS/pricing engine stack (or comparable systems) and willingness to work in an agentic-forward, tech-heavy environment.
- Direct-to-consumer or high-volume digital lending background. Now Benefits list:
- Health Insurance Coverage (medical, dental, and vision)
- Life Insurance
- Short and Long-Term Disability Insurance
- Flexible Spending Accounts
- Holiday Pay
- 401(k) with match
- Employee Assistance Program
- Paid Parental Bonding
- for each main responsibility, and within each li we can include sub-details as sentences separated by commas or semicolons. Must not invent.
We need to preserve all substantive information: So include each bullet.
Let's list them:
Pricing & Hedging:
- Own rate sheet strategy and daily pricing decisions, balancing competitiveness against margin targets.
- Set and maintain loan-level pricing adjustments (LLPAs), buy-up/buy-down structure, and exception pricing policy.
- Partner with Sales leadership on pricing competitiveness and with Finance on margin performance.
Lock Desk:
- Oversee rate lock operations: lock requests, extensions, relocks, and expiration management.
- Set lock desk policy and exception rules; ensure leaders and teammates apply them consistently.
- Monitor pipeline lock status to prevent fallout and protect pull-through.
Secondary Marketing:
- Manage the loan sale process to investors and execute the hedging strategy that protects the company from rate risk.
- Maintain investor relationships and delivery commitments; evaluate execution across investor channels.
- Monitor market conditions and adjust strategy as rates and investor appetite shift.
Post-Closing / Shipping:
- Own the post-closing process: final document collection, loan file completion, and investor shipping.
- Set and monitor turn-time and defect-rate standards for shipping and investor purchase.
- Resolve suspense items and investor conditions; escalate systemic defect trends back to Closing and Underwriting.
Cross-Functional & People Leadership:
- Lead the leaders and teammates: set priorities, develop leaders, and build a bench.
- Partner with Sales, Operations, Finance, Marketing, and Engineering teams on cross-team issues.
- Represent capital markets and secondary operations in company-wide planning and risk conversations.
Also "What Success Looks Like" could be considered part of responsibilities or maybe separate but not a heading we have. Could include under Responsibilities as additional bullet? It's more outcomes. Might be okay to include as part of Responsibilities or maybe as a separate section like "Success Metrics" but not in allowed headings. We could incorporate into Responsibilities as additional bullet.
But we must not invent headings; we can add a bullet under Responsibilities for success metrics.
Now Requirements: "What We’re Looking For:" bullet list:
- 7+ years in mortgage capital markets, secondary marketing, or related operations, with direct experience in at least two of the four functional areas above.
- Demonstrated ownership of pricing strategy or hedging execution in a production mortgage environment.
- People leadership experience — has led leaders, not just individual contributors.
- Working knowledge of investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae) and loan-level pricing mechanics.
We could also include "Preferred Experience standing up or upleveling a combined capital markets/operations function." etc. That's under Preferred Experience; we could treat as Qualifications.
Qualifications: Preferred Experience:
- Experience standing up or upleveling a combined capital markets/operations function.
- Familiarity with Sage's LOS/pricing engine stack (or comparable systems) and willingness to work in an agentic-forward, tech-heavy environment.
- Direct-to-consumer or high-volume digital lending background.
We could also include "Compensation" etc but that's Pay.
Skills: Not explicit; maybe we could skip.
Benefits: list:
- Health Insurance Coverage (medical, dental, and vision)
- Life Insurance
- Short and Long-Term Disability Insurance
- Flexible Spending Accounts
- Holiday Pay
- 401(k) with match
- Employee Assistance Program
- Paid Parental Bonding Benefit Program
- 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.
We could also include other benefits mentioned later: "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." That's redundant; we already have.
Pay: 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.
Schedule: 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.
Now we need to output HTML fragment with sections only if they have content.
We'll include: