Pricing and Margin Management Analyst

Visio Lending

. Monitor market factors influencing pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry .

Posted 11/9/2026full-timeRemote • United StatesMid-LevelSenior💰 $97,000 - $125,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in mortgage pricing and capital markets analytics, with strong capabilities in financial modeling, data analysis, and pricing strategy development. Proficient in utilizing advanced analytical tools and methodologies to drive pricing decisions and improve margin performance.

Highest-signal resume keywords

Mortgage Pricing ExperienceAdvanced Excel SkillsSQL Data AnalysisPower BI Dashboard DevelopmentStrong Analytical Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Financial ModelingData AnalysisPricing Strategy DevelopmentMargin Waterfall AnalysisQuantitative AnalysisPricing AdjustmentsGain-On-Sale UnderstandingBasis Points KnowledgeSecuritization AnalysisWhole-Loan Trading Exposure

Soft Skills

Problem-Solving SkillsCommunication SkillsPresentation Skills

Tools & Technologies

Power BITableauSQLPythonRLoanPASSPollyOptimal Blue

Industry Keywords

Secondary MarketingCapital MarketsNon-QM LendingDSCR LendingPricing TechnologyFinancial AnalysisBudgetingForecastingVariance AnalysisBroker Performance Analysis

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Monitor market factors influencing pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry
Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state
Recommend base rate and price-adjuster changes and quantify expected margin impact
Identify pricing opportunities where products may be priced above or below market
Maintain and analyze the margin waterfall from rate sheet pricing through realized execution
Compare target and realized margins across products, channels, brokers, and account executives
Identify margin leakage and recommend pricing, policy, or process improvements
Model potential margin and volume impact of proposed pricing strategies
Build and maintain pricing and margin dashboards for leadership using Power BI, Tableau, or Excel
Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel
Conduct structured pricing analyses and tests to evaluate volume and margin response
Analyze and report on broker and channel economics, including points, compensation, and volume mix
Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance
Analyze broker performance using pull-through, volume, cycle times, file quality, and loan performance
Monitor competitor DSCR and non-QM pricing and product offerings
Benchmark Visio's competitive position using win/loss data and broker feedback
Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact
Document pricing methodology and rationale behind rate sheet changes
Support fair lending monitoring of discretionary pricing
Partner with the pricing engine administrator to specify and validate rate sheet changes before release
Build and maintain financial models supporting budgets, forecasts, and scenario planning
Support monthly close, budgeting, and forecasting through variance analysis
Analyze loan-level and financial data for ad hoc Finance and executive leadership requests
Contribute to management reporting, board materials, and investor and warehouse lender reporting
Take on other FP&A projects and analysis as assigned based on business needs

Requirements

What you’ll need

3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor
Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate sheet pricing
Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall
Advanced Excel skills, including the ability to build financial and analytical models
Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data
Strong analytical and problem-solving skills with the ability to translate complex analysis into actionable recommendations
Excellent communication skills and the ability to present pricing recommendations and analytical findings to executive and sales leadership
Experience with LoanPASS, Polly, Optimal Blue, or similar pricing technology
Experience developing dashboards in Power BI or Tableau
Experience using Python or R for data analysis
Exposure to whole-loan trading or non-QM securitization
Bachelor's degree in Finance, Economics, Mathematics, or a related field

Benefits

Comp & perks

Collaborative culture
Growth opportunities
Flexibility with remote work options