Pricing & Margin Management Analyst
New
J
JobgetherMortgage lending
Remote opportunities available in the following states: Alabama, Arkansas, Arizona, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, North Carolina, South Carolina, Texas, and Utah.Full-TimeMiddle
Salary97,000 - 125,000 USD per year
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Job Details
- Experience
- 3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, financial planning and analysis (FP&A), or a similar quantitative role within a lending institution or investment firm.
- Required Skills
- SQLMicrosoft Power BITableau
Requirements
- Have 3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lending institution or investment firm.
- Have working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and loan execution dynamics.
- Understand gain-on-sale, basis points, spreads, cost of funds, and margin waterfall analysis.
- Demonstrate advanced Excel proficiency, including building complex financial and analytical models.
- Have experience using SQL or equivalent tools to independently extract, organize, and analyze loan-level data.
- Apply quantitative, problem-solving, and critical-thinking skills to identify trends and evaluate business opportunities.
- Translate complex data into practical recommendations and present pricing strategies and analytical findings clearly to executive leadership and commercial teams.
- Preferred: Experience with LoanPASS, Polly, Optimal Blue, or similar pricing platforms.
- Preferred: Familiarity with Power BI or Tableau dashboard development, and Python or R for data analysis.
- Preferred: Exposure to whole-loan trading or non-QM securitization.
- Preferred: Bachelor's degree in Finance, Economics, Mathematics, or a related discipline.
Responsibilities
- Monitor Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse financing costs.
- Analyze rate-sheet pricing across loan characteristics and recommend adjustments to competitiveness and profitability.
- Maintain and analyze the margin waterfall from initial rate-sheet pricing through realized loan execution.
- Compare target and actual margins across products, channels, brokers, and account executives; identify margin leakage and recommend improvements.
- Build and maintain pricing and margin dashboards, and analyze loan volume, pull-through rates, fallout trends, pricing tiers, and channel performance.
- Conduct pricing tests and assess their effects on profitability and business growth.
- Evaluate broker and channel economics, monitor competitor offerings, and use win/loss analysis and broker feedback to explain business-volume changes.
- Prepare monthly reports on pricing concessions, exceptions, trends, and margin impact; document methodologies and rate-sheet adjustments.
- Develop financial models for budgeting, forecasting, and scenario planning, and support financial close, variance analysis, and management and investor reporting.
- Respond to analytical requests from Finance and executive leadership and provide recommendations for business decisions.
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