Junior Market Manager in City of London

LiveMore exists to challenge the unfair NOs in the mortgage world. That’s why our mission is to empower mortgage brokers to lend more by turning NOs into YESs and by maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come.

Using our unique LiveMore Mortgage Matcher® and LiveMore Maximum Borrowing Calculator decision engine technology, we excel at overcoming challenges involving affordability, risk and Consumer Duty. We innovate for customers and mortgage brokers in need, where others don’t – like with LiveMore’s current mortgages ‘up to’, ‘into’ and ‘in’ retirement.

The Capital Markets Associate will be involved in all capital markets activities for the LiveMore group of companies, including mortgage funding and corporate funding. The chosen candidate will work with the team’s existing Capital Markets Senior Analyst and Pricing Analyst, reporting into the MD – Finance & Capital Markets.

The Capital Markets Associate will assist the MD – Finance & Capital Markets in structuring, modelling, negotiating, completing and day-to-day operations of warehouse and forward-flow transactions, public and private securitisations including determining and executing optimal hedging structures, including both equity release and non-equity release mortgages.

At a corporate funding level, covering both debt and equity arrangements, the Capital Markets Associate will assist the MD – Finance & Capital Markets and Finance Director in structuring, negotiating, completing and day-to-day operations of corporate funding transactions and facilities and working closely with the Finance team to develop and maintain corporate forecasts.

The role spans preparation, diligence, execution, and post-completion phases of corporate funding processes and contributes to broader financial reporting and capital-structure-related analysis.

• Monitor and manage existing mortgage funding arrangements, including warehouse structures and other funding arrangements.
• Mortgage portfolio credit performance analysis and cashflow forecasting.
• Work with funders and internal stakeholders to negotiate and implement amendments to existing facilities.
• Work with Finance team to manage cash requirements and ensure processing of funds including drawdowns, settlements and distributions are done in an accurate and timely manner.
• Work with rating agencies, funders and other third parties to prepare for, structure and negotiate private and public securitisation transactions and forward flow agreements.
• Conduct market research to identify opportunities for third-party portfolio acquisition.
• Prepare presentations and material for communications to third-party mortgage funders.
• Work with Finance team to maintain corporate forecast model and forecast future funding requirements and plan debt capital market transactions to maintain minimum levels required by the business.
• Prepare and maintain supporting materials (funding models, sensitivities analysis, term-sheet comparisons, use-of-funds analysis, covenant summaries).
• Assist with lender and investor engagement processes (Q&A coordination, data-room support, execution-phase documentation review).
• Support post-completion activities (drawdown mechanics, covenant-tracking inputs, coordination with Finance on accounting, reporting, governance requirements).
• Prepare analysis and documentation on the financial impact of financing decisions.
• Support ad-hoc analysis or project work relating to capital structure, funding strategy, or corporate-level financing considerations.
• Work closely with the Product team to design and fund LiveMore mortgage products.
• Coordinate with Finance, Legal, Risk, Compliance, and wider senior management including, but not necessarily limited to funding projects and new product releases.
• Work with MD – Finance & Capital Markets to prepare materials for the Senior Leadership Team, Finance, Assets & Liabilities sub-committee of the Board (FALCO) and to meet other Board reporting requirements.

Experience in public and/or private debt raisings.

Rating agency or non-bank lending background.

Understanding of interest rate risk and hedging strategies.

Commercial and analytical mindset with financial modelling skills.

RMBS and warehouses across non-equity release mortgages.

RMBS and warehouses across equity release mortgages.

Annual performance bonus (cash and growth shares).

High-quality working environment in a central London office in the heart of Fitzrovia.

Hybrid working (3 days per week in office).

30 days’ holiday, plus UK bank holidays.

Private health cash reimbursement plan.

Employee pension contribution of 5% and employer contribution of 3%.

Salary-sacrifice pension scheme, saving marginal rate on contributions.

Salary-sacrifice nursery voucher scheme, as above.

Employee assistance programme.