Overview
A financial services organization is seeking a Capital Markets Analyst to support investor relations, loan sale execution, profitability analysis, and capital markets functions within a growing Non-QM mortgage platform. This role requires a strong understanding of residential mortgage lending, secondary marketing, investor guidelines, and loan delivery processes.
The analyst will collaborate closely with production, operations, underwriting, accounting, and executive leadership teams to optimize loan profitability, support investor relationships, and contribute to growth initiatives in the Non-QM lending sector.
Responsibilities
Pricing & Profitability Management
- Analyze and price residential mortgage loans according to investor guidelines, market conditions, and profitability objectives.
- Manage loan-level and product-level margins to align with corporate revenue and growth goals.
- Review pricing exceptions and concession requests, providing recommendations based on profitability, competitiveness, and strategic priorities.
- Conduct pricing and profitability analyses to support product development, investor selection, and business strategy.
- Evaluate financial impacts of investor pricing changes, product enhancements, and market developments on loan profitability.
- Develop and maintain profitability models, pricing analytics, and management reporting tools.
Investor Relations & Loan Sales
- 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.
Reporting & Analytics
- 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.
Requirements
- Bachelor's degree in Finance, Economics, Accounting, Business, Mathematics, or a related field.
- Minimum of 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 skills.
- Excellent verbal and written communication abilities.
- Ability to manage multiple priorities in a fast-paced environment.
Preferred Qualifications
- 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.