Pricing Analyst

Essent Guaranty•Radnor, PA

6d•Onsite

About The Position

The Pricing Analyst performs mortgage industry research, market and competitor surveillance, credit data analysis, and execution analysis to optimize pricing and sourcing of business for Essent’s portfolio. The role uses AI tools and develops dashboards and visualizations to provide timely, data-driven insights to senior management, with a focus on evaluating business strategies that support Essent’s objectives. The position works under regular supervision and is based fully in the office in Radnor, Pennsylvania.

Requirements

Bachelor’s degree in finance, economics, statistics, mathematics, data science, management, business, operations, or a related quantitative discipline.
Two or more years of experience in the mortgage or mortgage insurance industry, preferably in pricing, credit risk, or analytics.
Strong quantitative foundation and advanced analytical and strategic thinking skills, particularly in execution analysis, pricing optimization, risk management, and financial or profitability considerations.
Advanced proficiency with Microsoft Excel and PowerPoint, including spreadsheet manipulation and impactful slide development.
Experience designing and building dashboards and data visualizations using business intelligence tools such as Power BI or Tableau.
Working knowledge of SQL and/or Python (or R) for querying, manipulating, and analyzing large datasets.
Familiarity with AI tools, such as generative AI assistants and machine learning techniques, and demonstrated interest in applying them to improve analytical efficiency and insight.
Excellent verbal and written communication skills, with the ability to interact confidently with senior business leaders in formal, informal, technical, and non-technical settings.

Responsibilities

Analyze loan- and borrower-level data to evaluate risk-adjusted returns and identify opportunities to optimize pricing by segment, lender, and channel; develop and support pricing recommendations for management.
Observe and quantify daily application, commitment, and production patterns across lenders and segments, and create tabular or visual representations, including automated dashboards, to compare patterns and attributes against expectations.
Assess potential financial impacts of prospective business strategies using company databases, models, and analytical approaches.
Design, build, and maintain dashboards and reporting tools that provide management timely visibility into pricing performance, production mix, competitive positioning, and market activity.
Use AI tools, including generative AI assistants, machine learning techniques, and workflow automation, to accelerate research, streamline data processes, and improve the quality and speed of analytical insights.
Monitor the industry landscape of mortgage product offerings.
Conduct market research and disseminate timely competitive intelligence and analysis.
Monitor market data and competitor activity, including pricing changes, market share shifts, and lender behavior, to identify emerging trends and risks.
Perform other duties as assigned by management.