Analyst Jobs

About The Position

Requirements

• Bachelor's degree in Finance, Economics, Accounting, Business, Mathematics, or a related field.
• 2+ years of experience in mortgage capital markets, secondary marketing, investor relations, mortgage analytics, or related financial services.
• Strong understanding of residential mortgage lending and secondary market fundamentals.
• Advanced Microsoft Excel skills, including pivot tables, lookup functions, data analysis, and reporting.
• Strong analytical, organizational, and problem-solving abilities.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities in a fast-paced environment.

Nice To Haves

• Experience with Non-QM lending products and investor programs.
• Familiarity with loan sale execution, investor delivery processes, and post-purchase reviews.
• Experience with Encompass and mortgage reporting platforms.
• Experience with business intelligence and reporting tools such as Power BI, Tableau, or SQL.
• Understanding of gain-on-sale analysis and mortgage profitability metrics.

Responsibilities

• Analyze and price residential mortgage loans in accordance with investor guidelines, market conditions, and company profitability objectives.
• Manage loan-level and product-level margins to ensure alignment with corporate revenue and growth goals.
• Review pricing exceptions and concession requests, providing recommendations based on profitability, competitiveness, and strategic objectives.
• Conduct pricing and profitability analysis to support product development, investor selection, and business strategy decisions.
• Evaluate the financial impact of investor pricing changes, product enhancements, and market developments on loan profitability.
• Develop and maintain profitability models, pricing analytics, and management reporting tools.
• Manage relationships with investors and aggregators.
• Review and maintain investor guidelines, overlays, and program updates.
• Monitor pipeline status and investor commitments to facilitate efficient loan delivery and execution.
• Prepare and deliver loan sale packages and supporting documentation.
• Resolve post-purchase conditions and investor inquiries.
• Evaluate new investor opportunities and execution channels to improve profitability and operational efficiency.
• Develop and maintain capital markets reporting and dashboards.
• Analyze loan production trends, gain-on-sale performance, investor execution results, and profitability metrics.
• Monitor loan-level profitability and identify opportunities to improve margins.
• Provide management with actionable insights regarding investor performance, product trends, and market opportunities.
• Support monthly and quarterly forecasting related to loan sales and capital markets activities.