About MCT

Position Summary

MCT is seeking a seasoned, hands-on Chief Financial Officer to serve as the senior financial leader of the organization. This is a working CFO role — one where the right candidate is equally comfortable setting financial and corporate strategy, as well as rolling up their sleeves to execute it. As the CFO of MCT’s capital markets and technology-driven business, this role demands deep expertise in capital markets accounting, hedge advisory financial operations, and the financial mechanics of the mortgage secondary market. The CFO will serve as a key executive partner to the CEO, owning the full financial function and providing the analytical rigor, operational discipline, and strategic insight needed to run a high-performing, transaction-intensive business.

The ideal candidate is a CPA with a proven track record in capital markets and hedge advisory accounting, a thorough understanding of how mortgage assets are priced, hedged, valued, and reported, and the credibility to operate effectively at the executive level.

Job Duties

The CFO will have direct, end-to-end ownership of MCT’s full financial operations, including weekly treasury management, monthly financial reporting and variance analysis, payroll and commission oversight, tax coordination, annual audit and budgeting process, and executive-level reporting for leadership and quarterly business reviews (QBRs). Throughout the year, the CFO actively monitors mortgage industry forecasts, supports capitalization of internally developed software, and prepares financial materials for clients, prospects, and auditors.

Beyond day-to-day financial execution, the CFO plays an active role in shaping how MCT measures and manages the business. This includes partnering closely with the CEO and members of the executive team on financial strategy, capital allocation, and long-term planning; advising department leaders on budget performance and financial decisions; and serving as the primary liaison to external auditors, tax advisors, and financial counterparts. The CFO is also responsible for maintaining the financial integrity of the organization — ensuring accounting policies are current, internal controls are sound, and the company is positioned to operate with transparency and accuracy at every level. In a business as transaction-intensive and market-sensitive as mortgage capital markets, the CFO must be equally fluent in the numbers and the business context behind them.

Job Responsibilities

Treasury & Cash Management
• Manage daily cash balances and invest excess funds on a weekly basis.
• Summarize and report cash collections.
• Evaluate and optimize short-term investment strategies in alignment with company risk tolerance.
• Maintain cash flow projections and update forecasted balances on a regular cadence.

Financial Reporting & Analysis
• Review monthly financial statements.
• Compile and distribute monthly P&L BVA (Budget vs. Actual) reports for MCT’s business units and support partners.
• Compile monthly revenue BVA reports.
• Perform monthly interest accrual.
• Prepare summary-form P&L and Balance Sheet for clients and prospects as requested.
• Prepare finance materials for MCT All-Hands Meetings.
• Track and analyze key financial performance indicators; surface trends and anomalies for leadership review.
• Maintain the financial reporting calendar and ensure all deliverables are produced and distributed on time.

Oversight of the Accounting & Finance Function
• Manage and calculate monthly sales commissions.
• Weekly one-on-one with Controller (Direct Report)
• Monthly Accounts Receivable review with Finance Team.
• Prepare and update the annual corporate bonus plan.
• Establish annual goals and coach finance team.

Tax & Regulatory Compliance
• Coordinate quarterly estimated tax payments with external tax advisor.
• Review monthly QuickBooks user provisioning log.
• Monitor federal and state tax law changes with potential impact on the business and advise leadership accordingly.
• Maintain organized tax records and supporting documentation for all filings.
• Prepare supporting schedules and work papers for annual tax return preparation by external advisor.

Audit, Accounting Policy & GAAP
• Draft annual financial statements for audit.
• Negotiate audit fees and engage auditors annually.
• Revise accounting policies annually.
• Research and implement applicable new GAAP pronouncements.
• Work with the technology team on proper capitalization of internally developed software.
• Serve as the primary point of contact for external auditors throughout the audit process.
• Organize and maintain supporting schedules, work papers, and documentation packages for audit.
• Ensure internal controls are properly documented and updated as business processes evolve.

Budgeting & Forecasting
• Prepare the annual operating budget.
• Review and update mortgage industry forecasts from Fannie Mae and MBA monthly.
• Collaborate with department leaders to develop detailed, bottom-up annual budget submissions.
• Coordinate with department heads to explain budget-to-actual variances and identify corrective actions.
• Build and maintain financial models to support scenario planning and strategic decision-making.
• Monitor budget-to-actual performance throughout the year and prepare variance explanations and reforecasts.

Executive Reporting & Strategic Support
• Develop outlines for Quarterly Business Reviews (QBRs) and distribute to stakeholders.
• Schedule and coordinate QBRs.
• Prepare Top 50 client reports quarterly.
• Prepare financial analysis and presentation materials for executive and leadership-level meetings.
• Partner with the CEO, CSO and COO on long-term financial planning, capital allocation, and strategic initiatives.
• Support ad hoc financial analysis for client proposals, prospect engagements, and business development.

Job Requirements and Conditions

Qualifications
• Bachelor’s degree in Accounting, Finance, or related field required; MBA preferred.
• CPA required.
• 10+ years of progressive financial leadership experience, including CFO or equivalent.
• Capital markets accounting experience required — including familiarity with mortgage-related asset pricing, hedging strategies, and trade execution financials.
• Hedge advisory financial experience preferred — including accounting for hedged positions, MBS, and related instruments in a mortgage capital markets context.
• Strong command of GAAP and financial statement preparation and analysis.
• Proficiency with QuickBooks; experience working with outsourced accounting and tax providers.
• Background in the mortgage, financial services, or fintech industry strongly preferred.
• Excellent communication and presentation skills; ability to translate financial complexity for executive and operational audiences.

JOB DESCRIPTION

The Capital Markets Technology Advisor is an important support role within MCT’s Client Success Group (CSG). Reporting to the Senior CMTA, the Capital Markets Technology Advisor partners with other members of the CSG Team, Traders and Regional Sales Directors to assist with client onboarding, platform usage, and ongoing support. This role contributes to the overall client experience by offering timely analysis, platform knowledge, and operational support throughout the client lifecycle.

The Capital Markets Technology Advisor plays a key role in preparing client data, supporting onboarding workflows, and helping ensure clients are set up for success on the MCTlive! platform.

Essential Functions

The Capital Markets Technology Advisor develops strong working knowledge of the MCTlive!^® platform and supports internal teams in communicating its functionality and benefits. Working across MCT’s sales regions, this role assists in ensuring clients receive consistent guidance and support from initial onboarding through full utilization and throughout their long-term lifecycle with MCT.

Specifically, the Capital Markets Technology Advisor will:

• Support the onboarding process for new clients onto the MCTlive! platform, including data normalization, mapping, and initial configuration.
• Participate in client onboarding meetings and calls, documenting requirements and following up on assigned items.
• Provide support to Senior Capital Markets Technology Advisors and Traders in delivering technical and capital markets guidance to clients.
• Assist with client relationship management, including tracking client questions, monitoring progress, and escalating issues to senior team members.
• Help gather and organize user feedback related to potential platform enhancements or new functionality.
• Execute daily platform maintenance tasks
• Support QC efforts of in-development features, performing tests and reporting findings.
• Contribute to overall CSG support functions, ticket resolution, and internal documentation updates.

Qualifications

• Strong written and verbal communication skills with the ability to explain technical concepts clearly.
• Ability to work well under pressure and adapt to evolving situations.
• Organized with great attention to detail.
• Effective team player with willingness to learn and develop deeper capital markets and platform expertise.
• Self-starter with solid problem-solving and analytical abilities.

Required Education and Experience

• BA/BS degree in Business, Finance, Accounting, Economics, or related field or equivalent experience.
• 3–5 years of experience in Mortgage Secondary Marketing or related capital markets role.
• Exposure to hedging, trading, or lock desk operations preferred.
• Experience with the MCTlive! platform preferred.