Secondary Market Analyst

At A&D Mortgage, we've been helping clients achieve their homeownership dreams for over 20 years - and we couldn't do it without our team.

With more than 400 passionate professionals (and growing!), we've built a culture rooted in collaboration, continuous growth, and shared success.

Join a company that listens to your voice, invests in your development, and celebrates every win - big or small.

Your future starts here. Let's grow together.

Overall Responsibilities

We are seeking a highly analytical and detail-oriented Secondary Market Analyst to join our capital markets team. This role is crucial for managing market execution to maximize profitability and mitigate risk.. The ideal candidate will be a fast-learner who can work independently and add value beyond daily tasks. You will work closely with our production, capital markets, and executive teams.

Key Responsibilities

Loan Pricing and Execution

Monitor and analyze real-time market data, including Fannie Mae, Freddie Mac, Ginnie Mae, and private investor pricing, to determine optimal loan pricing and product offerings.
Execute daily best-efforts and mandatory loan sales, pooling, and securitization activities.
Manage and monitor loan commitments, ensuring accurate pair-offs and timely delivery to investors.
Perform daily hedge reconciliations and ensure proper risk management strategies are in place.

Risk and Pipeline Management

Analyze the loan pipeline for interest rate risk and credit risk exposures.
Track and report on fallout and pull-through rates, identifying trends and potential areas for improvement.
Model and forecast loan production and settlement activity to assist with liquidity planning

Reporting and Analysis

Generate daily, weekly, and monthly reports on secondary market activities, including gain-on-sale, profitability analysis, and loan sale performance.
Develop and maintain financial models to evaluate pricing strategies, product profitability, and new business initiatives.
Present findings and recommendations to senior management on market conditions, investor trends, and execution strategies.

Investor Relations and Compliance

Maintain strong working relationships with investors, servicers, and secondary market partners.
Ensure compliance with all agency and investor guidelines, policies, and procedures related to loan sales and securitization.

Education: Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field.

Experience: 1-3 years of secondary marketing, capital markets, or financial analysis within the mortgage banking or financial services industry is preferred, but not required.

Skills & Competencies

Proficiency in financial modeling and advanced Excel skills (e.g., pivot tables, VLOOKUPs, financial functions). Experience with SQL or other data manipulation tools is a plus.
Familiarity with secondary market technology platforms (e.g., optimal blue, MIEC, QRM) is highly desirable.
Exceptional analytical and problem-solving abilities with a keen eye for detail and accuracy.
Excellent written and verbal communication skills, with the ability to articulate complex financial concepts clearly.
Ability to thrive in a fast-paced, high-pressure environment and meet tight deadlines.

We offer

PTO/Sick Days
Comprehensive medical, dental, vision benefits
Paid volunteer hours
Life Insurance, Short-term Disability, and Long term Disability
Health Savings Account
401k
Paid training and career development
Healthy grab and go snacks
Career Growth: As part of a growing and evolving company, you will have ample opportunities to develop your career, take on new challenges, and make a significant impact.
Inclusive Culture: We are committed to fostering a diverse and inclusive workplace where all employees feel valued and empowered. We celebrate unique perspectives and believe diversity drives innovation.
Cutting-Edge Technology: Access state-of-the-art learning tools and technologies to enhance your own professional development and that of the entire organization.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.