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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in portfolio performance analysis, cash flow analytics, and profitability metrics within mortgage and consumer lending sectors. Proficient in developing analytical models and translating complex financial data into actionable business insights.
Highest-signal resume keywords
Risk Analytics ExperiencePortfolio AnalyticsCash Flow AnalysisAdvanced Proficiency In SQLExperience With MBS And RMBS
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Portfolio ValuationProfitability AnalysisForecastingScenario AnalysisMortgage-Related ModelingAnalytical Model DevelopmentCash Flow AnalyticsValuation Impact AssessmentSecuritization StructuresCollateral Analytics
Soft Skills
Analytical ThinkingProblem-SolvingCommunicationPresentationStakeholder Management
Tools & Technologies
SQLPythonSASPower BITableau
Industry Keywords
Mortgage FinanceConsumer LendingCapital MarketsStructured FinanceSecondary MarketingHome Equity LoansHELOC ProductsProfitability MetricsInterest-Rate ShocksLoan-Level Performance Drivers
Tech Stack
Tools & technologiesPythonSQLTableau
About the role
Key responsibilities & impact- Analyze and lead portfolio performance, valuation, cash flows, forecasting, and profitability across mortgage and consumer lending portfolios
- Help develop future Home Equity analytics and securitization capabilities
- Evaluate mortgage pricing and product economics, including rates, points, lender credits, mortgage types, and lock terms
- Model origination behavior using pull-through assumptions and assess fallout drivers
- Decompose expected profitability into revenue and cost components, including net interest margin, fee income, fulfillment, hedge, capital, and liquidity costs
- Produce and interpret profitability metrics including NPV, Return on Assets, Return on Equity, and capital utilization and allocation measures
- Partner with Mortgage Capital Markets, Secondary Marketing, and business teams on securitization, capital markets, collateral analytics, portfolio optimization, and Home Equity execution strategies
- Assess margin impact of rate volatility and optimize execution selection
- Perform scenario and sensitivity analysis across interest-rate shocks, CPR, pull-through, and spread assumptions
- Develop forecasts, reporting, dashboards, and analytical insights for senior leadership
- Translate complex findings into clear business recommendations
- Partner across Finance, Risk, Treasury, Mortgage Capital Markets, and Business teams on strategic initiatives
Requirements
What you’ll need- 5+ years of Risk Analytics experience, or equivalent demonstrated through work experience, training, military experience, or education
- Experience in portfolio analytics, financial analytics, mortgage finance, consumer lending, capital markets, structured finance, secondary marketing, securitization, or related disciplines
- Experience supporting securitization, structured finance, capital markets, or secondary marketing initiatives, including cash flow analysis, collateral analytics, valuation, and execution economics
- Understanding of portfolio valuation, cash flow analytics, forecasting, securitization structures, capital markets activities, and secondary market execution
- Experience with MBS, RMBS, ABS, home equity loans, or HELOC products preferred
- Experience performing cash flow analytics, portfolio analytics, profitability analysis, forecasting, scenario analysis, business performance measurement, and mortgage-related modeling
- Understanding of pull-through, fallout, prepayment, pipeline, and loan-level performance drivers
- Ability to evaluate mortgage portfolios, identify profitability and risk drivers, assess valuation impacts, and deliver actionable insights
- Experience developing and maintaining analytical models, dashboards, and reporting solutions
- Advanced proficiency in SQL, Python, SAS, Power BI, and Tableau
- Experience working with large, complex financial datasets
- Strong analytical thinking, problem-solving, communication, presentation, and stakeholder management skills
- Willingness to work onsite at a stated job-posting location
Benefits
Comp & perks- Equal opportunity employment
- Medical accommodation available upon request
- Drug-free workplace