Sr. Financial Analyst TruHome Solutions

CommunityAmerica Credit Union•Overland Park, KS

About The Position

The Senior Financial Analyst supports TruHome Solutions’ financial performance, strategic decision-making, and continued growth through advanced financial analysis, modeling, planning, and executive reporting. This highly visible role calls for an intellectually curious, analytical, and adaptable professional who can understand complex business concepts, navigate ambiguity, and turn financial and operational data into actionable insights. The position spans financial planning and forecasting, profitability and cost analysis, client pricing and contract negotiations, financial modeling, executive-level reporting, and strategic and ad hoc analyses. The role supports financial analysis across servicing, capital markets and secondary marketing, and corporate functions. Work includes evaluating mortgage servicing rights (MSR), developing cost and profitability models, analyzing hedge and secondary marketing results, evaluating client profitability, supporting business and technology initiatives, and preparing financial reporting for executives. The successful candidate is expected to identify issues and opportunities, challenge assumptions, and develop data-driven solutions in a fast-paced, evolving environment.

Requirements

Bachelor’s degree.
At least 5 years of experience in the mortgage industry.
At least 5 years of experience in finance, secondary marketing, capital markets, or another analytical role.
Ability to identify trends and generate actionable business intelligence from raw data for senior leadership.
Ability to automate using Excel and other technology solutions.
Strong organizational skills and ability to manage processes and guide others to meet deadlines.
Self-starter able to work with limited supervision.
Ability to solve problems quickly and efficiently using analytical and logical thinking.
Ability to manage multiple projects, objectives, and deadlines.
Effective written and oral communication skills.
Ability to resolve interpersonal conflict and miscommunications.
Ability to maintain a high level of confidentiality.
Ability to analyze complex financial data, identify discrepancies, investigate variances, and provide accurate, actionable financial insights.
Advanced Microsoft Excel skills, including creating complex workbooks using multiple large data sets; pivot tables and lookup functions alone are not considered advanced skills.
Proficiency with accounting software, general ledger systems, and financial reporting tools.

Responsibilities

Oversee third-party valuation of the MSR asset, including month-over-month valuation attribution, interest rate shocks, and sensitivities to primary variables.
Calculate actual company metrics and compare them against MSR valuation assumptions to assess the soundness and reasonableness of the third-party valuation.
Develop and refine cost-of-service models that distinguish fixed, variable, allocated, incremental, and marginal costs for profitability analysis, pricing decisions, and strategic planning.
Evaluate MSR financing options and negotiate terms.
Evaluate opportunities to maximize escrow deposit earnings associated with the MSR asset.
Build a model to value bulk MSR trades, including recapture, cash requirements, return on investment, and return on equity.
Support expansion into Co-Issue channels and acquisition of flow MSR purchases.
Review servicing operational practices for cost-saving or efficiency opportunities.
Analyze GNMA early pool buyout strategy as interest rates shift to ensure strategic alignment.
Build margin analysis calculations and a database for each origination channel, including margin changes from Time 0 through Time Current to Time Final.
Calculate hedge effectiveness based on daily mark-to-market of hedge and pipeline positions.
Develop a methodology for allocating hedge profit and loss by product and channel.
Build daily secondary marketing profit-and-loss reporting that explains day-over-day changes in profit and loss and position.
Create checks to reconcile buy prices and sale prices in systems.
Support strategic technology and operations projects related to capital markets.
Support strategic whole-loan sales on an ad hoc basis.
Evaluate profitability of fulfillment clients to support client contract repricing and improve financial performance.
Develop a capacity model to support origination team staffing needs.
Support and participate in vendor contract negotiations and renewals to reduce overhead and consolidate vendors or services where possible.
Develop and deliver clear, concise executive-level reports and presentations.
Perform comprehensive financial analysis of company lines of business, focusing on business performance, financial results, emerging trends, and strategic opportunities.
Lead and support financial planning, budgeting, and forecasting activities.
Analyze and explain monthly financial results, including detailed P&L variances, revenue and expense drivers, and deviations from budget or prior periods.
Build financial models to evaluate business performance, support strategic initiatives, and quantify the financial impact of operational or business decisions.
Perform complex, time-sensitive ad hoc analyses in response to business needs, executive inquiries, strategic initiatives, and emerging operational or financial challenges.
Identify, develop, and implement improvements to financial reporting, analytical tools, data integrity, modeling methodologies, and automated processes.
Challenge assumptions, methodologies, and business practices using independent judgment, critical thinking, and creative problem-solving to identify opportunities to improve financial performance.