Pricing & Margin Management Analyst

Visio Lending

10d•$97,000 - $125,000•Remote

About The Position

Visio Lending is seeking a Pricing & Margin Management Analyst to optimize pricing, profitability, and growth across its DSCR and non-QM lending business. This highly analytical role works at the intersection of pricing, capital markets, sales, and finance. The analyst evaluates market conditions, loan-level data, pricing performance, and competitive intelligence to make data-driven pricing recommendations, identify margin leakage, build reporting and financial models, and present insights to senior leadership. The position also supports pricing governance and financial planning and analysis, including budgets, forecasts, scenario planning, monthly close, management reporting, and ad hoc analysis. The role is available remotely in AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, and UT.

Requirements

3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor.
Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate-sheet pricing.
Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall.
Advanced Excel skills, including the ability to build financial and analytical models.
Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data.
Strong analytical and problem-solving skills, with the ability to translate complex analysis into actionable recommendations.
Excellent communication skills and the ability to present pricing recommendations and analytical findings to executive and sales leadership.

Nice To Haves

Experience with LoanPASS, Polly, Optimal Blue, or similar pricing technology.
Experience developing dashboards in Power BI or Tableau.
Experience using Python or R for data analysis.
Exposure to whole-loan trading or non-QM securitization.
Bachelor's degree in Finance, Economics, Mathematics, or a related field.

Responsibilities

Monitor market factors that influence pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry.
Analyze rate-sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state.
Recommend base-rate and price-adjuster changes and quantify their expected margin impact.
Identify pricing opportunities where products may be priced above or below market.
Maintain and analyze the margin waterfall from rate-sheet pricing through realized execution.
Compare target and realized margins across products, channels, brokers, and account executives.
Identify sources of margin leakage and recommend pricing, policy, or process improvements.
Model the potential margin and volume impact of proposed pricing strategies.
Build and maintain pricing and margin dashboards for leadership using tools such as Power BI, Tableau, or Excel.
Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel.
Conduct structured pricing analyses and tests to evaluate volume and margin response.
Analyze and report on broker and channel economics, including points, compensation, and volume mix.
Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance.
Analyze broker performance using pull-through, volume, cycle times, file quality, and loan performance metrics.
Monitor competitor DSCR and non-QM pricing and product offerings.
Benchmark Visio's competitive position and use win/loss data and broker feedback to explain changes in volume.
Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact.
Document pricing methodology and the rationale behind rate-sheet changes.
Support fair lending monitoring of discretionary pricing.
Partner with the pricing engine administrator to specify and validate rate-sheet changes before release.
Build and maintain financial models supporting budgets, forecasts, and scenario planning that connect pricing and volume assumptions to company financial performance.
Support monthly close, budgeting, and forecasting through variance analysis.
Analyze loan-level and financial data for ad hoc requests from Finance and executive leadership.
Contribute to management reporting, board materials, and investor and warehouse lender reporting.
Take on other FP&A projects and analysis as assigned based on business needs.