Middle Office Professional – Residential Mortgage Finance Operations

Job Description

VP/AVP – Warehouse Finance Middle Office | Mizuho

The Tone:
This is a full-time role at Mizuho, located in a hybrid model with office presence in New York City, New York, USA. Mizuho is a prominent global financial group, ranked among the world’s largest banks by total assets, offering comprehensive financial services to clients across the Americas, EMEA, and Asia. This position is integral to the Americas Markets Middle Office (AMMO), specifically supporting the expanding Residential Mortgage Finance (RMF) business by overseeing crucial warehouse finance operations and driving continuous improvements. The role is vital for optimizing operational efficiency, enhancing scalability, and strengthening the control framework of Mizuho’s RMF platform.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: Hybrid, New York City, New York, USA
• Pay: $85000–$140000 yearly
• Team: Americas Markets Middle Office (AMMO) supporting the Residential Mortgage Finance (RMF) business
• Mission: Optimize operational workflows, enhance scalability, strengthen the control framework, and partner with key stakeholders to deliver efficient and effective business solutions for Warehouse Finance.
• Tech Stack: Advanced Microsoft Excel; familiar with SQL and ProMerit preferred.

What You’ll Actually Do
• Oversee: Day-to-day warehouse lending operations, including fundings, paydowns, collateral onboarding, releases, and facility maintenance.
• Review: Validate borrowing base calculations, margin requirements, collateral eligibility, and facility utilization to ensure compliance with terms and procedures.
• Coordinate: Manage client funding requests, loan sales, payoffs, and other transaction-related activities, ensuring accurate and timely execution.
• Monitor: Track reconciliations and exception management to ensure client activity, custodian records, and general ledger balances remain accurate and synchronized.
• Partner: Collaborate with Technology, Credit, Operations, and Business stakeholders to advance the RMF operating model, strengthen controls, and support systems evolution.

The Must-Haves
• Background: Mid-senior level professional with strong product knowledge in Residential Mortgage Finance and warehouse lending, and expertise in borrowing base calculations.
• Experience: Minimum of 5 years in Residential Mortgage Finance and warehouse lending; hands-on experience setting up, testing, and maintaining warehouse lending facilities; demonstrated understanding of MRA/PSL agreements.
• Skills: Exceptional attention to detail with proven ability to identify discrepancies and validate complex calculations; strong ability to effectively prioritize and manage multiple workstreams in a deadline-driven environment; advanced Microsoft Excel skills for data analysis, reconciliation, and reporting.
• Bonus: Familiarity with SQL and ProMerit preferred.