Senior Financial Portfolio Analyst, Servicing

Overview

This role provides advanced financial analysis, portfolio performance monitoring, servicing cost modeling, compliance oversight, and forecasting for a servicing portfolio. Work will support cross-functional teams including Servicing Operations, Capital Markets, Collections/Default, Investor Reporting, and Asset Management.

Responsibilities

• Servicing P&L Management: Maintain and enhance servicing profit-and-loss models, including revenue streams, ancillary fees, sub-servicing costs, advances, late fees, recoveries, and corporate allocations.
• MSR Valuation Support: Support mortgage servicing rights (MSR) valuation by modeling discount rates, CPR/prepayment speeds, delinquency curves, and cost-to-service assumptions.
• Portfolio Analytics: Build dashboards tracking static pool performance, delinquency migration, modification outcomes, foreclosure metrics, and collection effectiveness.
• Revenue & Cost Forecasting: Forecast servicing revenue based on portfolio balance, runoff, payoffs, and interest-rate conditions; develop models for default expenses, foreclosure timelines, claim recoveries, and REO performance.
• Risk & Compliance Monitoring: Provide financial performance analysis, risk assessment, and compliance monitoring for servicing portfolios.
• Escrow & Advance Modeling: Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor.
• Operational & Strategic Support: Contribute financial insights to operational efficiency initiatives.
• Reporting & Executive Presentations: Prepare monthly business review decks, variance analysis, margin analytics, and operational KPIs for senior leadership.

Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or related field.
• 4–7 years of mortgage FP&A, servicing analytics, or portfolio-analysis experience.
• Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing cost structures.
• Experience with servicing systems such as MSP, Sagent, LoanServ, and data analysis tools such as SQL, Snowflake, Tableau, Power BI.
• Ability to work independently and manage complex workloads with strict deadlines.

Preferred Qualifications

• Master’s degree (MBA or related).
• CPA or similar financial certification (preferred).

Compensation & Benefits

• Compensation Range: $85,360 - $128,040/yr
• Quarterly bonus: 25% target
• Equity: Company equity in the form of RSUs
• Note: This is the compensation range for the United States; actual compensation may vary based on individual candidate experience, location, or evolving business needs.

Benefits include:

• Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
• Company HSA, FSA, Dependent Care, 401k, and commuter benefits
• Employer-funded life and disability insurance coverage
• 11 Observed Holidays & PTO plan
• Up to 12 weeks paid family leave
• Continuing education reimbursement

Location

United States

Additional Information

• This position does not sponsor work visas.
• Identity and eligibility to work in the United States must be verified, and the required employment eligibility verification form must be completed upon hire.
• California residents should review any applicable state-specific applicant data privacy notices before applying.