Senior Financial Portfolio Analyst – Servicing

Overview

A financial services organization is seeking a Senior Financial Portfolio Analyst – Servicing to provide advanced financial analysis, portfolio performance monitoring, servicing cost modeling, compliance oversight, and forecasting for a servicing portfolio. This role supports cross-functional teams including Servicing Operations, Capital Markets, Collections/Default, Investor Reporting, and Asset Management.

Responsibilities

• Maintain and enhance servicing profit-and-loss models covering revenue streams, ancillary fees, sub-servicing costs, advances, late fees, recoveries, and corporate allocations.
• Support mortgage servicing rights (MSR) valuation by modeling discount rates, CPR/prepayment speeds, delinquency curves, and cost-to-service assumptions.
• Build dashboards to track static pool performance, delinquency migration, modification outcomes, foreclosure metrics, and collection effectiveness.
• Forecast servicing revenue based on portfolio balance, runoff, payoffs, and interest-rate conditions.
• Develop models for default expenses, foreclosure timelines, claim recoveries, and real estate owned (REO) performance.
• Provide financial performance analysis, risk assessment, and compliance monitoring for servicing portfolios.
• Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor.
• Contribute financial insights to operational efficiency initiatives.
• Prepare monthly business review presentations, variance analysis, margin analytics, and operational KPIs for senior leadership.

Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or a related field.
• 4–7 years of experience in mortgage FP&A, servicing analytics, or portfolio analysis.
• Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing cost structures.
• Experience with servicing systems such as MSP, Sagent, LoanServ.
• Proficiency with data analysis tools including SQL, Snowflake, Tableau, and Power BI.
• Ability to work independently and manage complex workloads with strict deadlines.
• Adherence to security policies and data handling procedures.
• Completion of mandatory security awareness training within required timeframes.
• Prompt reporting of any suspected security incidents or suspicious activity.

Preferred Qualifications

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

Compensation & Benefits

• Base salary range: $85,360 to $128,040 per year.
• 25% annual bonus target, paid quarterly.
• Company equity in the form of restricted stock units (RSUs).
• Comprehensive medical, dental, and vision coverage with 100% employer-paid premiums for employees and dependents on select plans.
• Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care FSA, 401(k), and commuter benefits.
• Employer-paid life and disability insurance.
• 11 observed holidays and paid time off (PTO) plan.
• Up to 12 weeks of paid family leave.
• Continuing education reimbursement.

Location & Eligibility

• This position is based in the United States.
• The employer will not sponsor work visas for this position.
• All hires must verify identity and eligibility to work in the United States and complete employment eligibility verification upon hire.

Applicants should be aware that certain state laws may regulate applicant data management. California residents should review applicable privacy notices provided by the employer.