Middle Office Analyst Associate - Residential Focus & ABS Warehousing

Job Title Middle Office Analyst Associate - Residential Focus & ABS Warehousing Corporate Title Associate Location Jacksonville, FL OVERVIEW

The Middle Office Trade & Transaction Analyst / Associate provides operational expertise, independent governance, and risk-control oversight to ensure the timely, accurate, and complete management of transactions and collateral assets for the bank. The role has a specialized focus on Residential Real Estate and U.S. ABS Mortgage Warehouse Lending, supporting the integrity, movement, and reporting of collateral and loan documentation while ensuring effective risk management across the transaction lifecycle.

Working closely with Front Office, Operations, Technology, Legal, Finance, and other internal stakeholders, the analyst performs critical control functions related to collateral onboarding, mortgage asset uploads and reviews, borrowing base validation, advance rate determination, concentration limit monitoring, exposure management, and collateral movement activities. The role ensures the accuracy and integrity of data maintained across LoanIQ, Loan Information Processing System (LIPS), and other internal platforms.

The analyst provides technical, transactional, and logistical expertise to support business objectives while maintaining the appropriate balance of quality, flexibility, control, and cost. Through strong partnership and collaboration across businesses and divisions, the role helps maximize operational control, minimize risk, and deliver exceptional service to internal stakeholders and, where appropriate, external clients.

As a developing or established Subject Matter Expert (SME), the analyst contributes to the enhancement of operational processes, market practices, and technology platforms. The role builds and manages cross-functional partnerships to ensure business objectives are achieved in compliance with internal controls, regulatory requirements, and evolving business needs. The analyst also supports new business initiatives and helps ensure full front-to-back operational readiness for transactions ranging from high-volume warehouse funding activity to complex structured financing arrangements.

In an environment characterized by regulatory change, evolving market dynamics, and increasing operational complexity, the analyst is expected to apply strong analytical judgment, attention to detail, and innovative thinking to identify process improvements, strengthen controls, mitigate operational risk, and drive efficiencies that protect the bank and its shareholders while supporting continued business growth.

• A diverse and inclusive environment that embraces change, innovation, and collaboration
• A hybrid working model, allowing for in-office / work from home flexibility, generous vacation, personal and volunteer days
• Employee Resource Groups support an inclusive workplace for everyone and promote community engagement
• Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits

• Educational resources, matching gift, and volunteer programs

Working within the Investment Bank Fixed Income & Currencies division, the Global Financing & Credit Trading Middle Office (GFCT MO) supports Asset Based Securities (ABS) lending. The Middle Office Analyst / Associate supports the overall loan origination, collateral management, and loan maintenance process from initial trade booking through collateral intake and review, revenue recognition, daily exposure monitoring, control execution, and risk mitigation.

GFCT MO is an operational team that supports loans booked and managed in LoanIQ, a Finastra platform, with collateral data and independent control activity supported through LIPS. Working with internal partners and/or external clients, the Middle Office Analyst / Associate is responsible for:

• Managing the deal pipeline and supporting trade/transaction execution from initial booking through downstream operational readiness.
• Supporting the disbursement of funds, management of incoming cash transactions, and complex revenue calculations in accordance with business requirements and established controls.
• Reviewing complex lending legal agreements to extract key economic attributes and ensure accurate operational setup, maintenance, and control execution.
• Monitoring and managing the movement of collateral and loan documents across counter parties, ensuring adherence to established procedures and timely resolution of discrepancies or delays.
• Maintaining accurate, complete, and up-to-date collateral records in LIPS and related internal systems to reflect the status of collateral assets and loan documentation.
• Performing independent control functions related to the upload, review, and ongoing monitoring of underlying mortgage assets supporting US ABS Mortgage warehouse lines.
• Validating Borrowing Bases, determining Advance Rates, and monitoring Concentration Limits for ABS US…