Capital Markets, Analyst II

First Colony has been opening doors for homeowners since 1984. What started as a single-minded commitment to making homeownership more accessible has grown into one of Utah’s most recognized mortgage and home services companies – and we’re just getting started.

But what really sets us apart isn’t our track record. It’s our culture. At First Colony, we believe that creativity fuels great work – and that creativity thrives when people feel free to be themselves. We love music in all its forms, and we celebrate the individual tastes that make our team unique. That same spirit of authenticity and expression shapes how we show up for our customers – with clarity, creativity, and genuine care.

We’re not just a mortgage company. We’re a team of people who love what they do, take pride in doing it well, and believe that the best work happens when you bring your whole self to the table.

Position Summary

The Analyst II, Capital Markets supports the day-to-day operations of the secondary marketing and capital markets function, contributing to pricing administration, investor delivery, data validation, and pipeline reporting. This individual brings 1–3 years of mortgage or financial analysis experience and is developing a foundational understanding of hedging, best execution, and servicing valuation.

This role is ideal for someone ready to expand their knowledge in mortgage capital markets while taking on more ownership of recurring processes and analytical work.

Key Responsibilities

• Assist in maintaining pricing data within the product and pricing engine (e.g., Optimal Blue, EPPS).
• Help generate and distribute daily rate sheets and pricing reports.
• Support investor loan delivery, including preparation of bid tapes and post-purchase reconciliation.
• Run and validate pipeline reports, hedging coverage, and pull-through assumptions under guidance.
• Assist with margin updates, pricing audits, and lock desk coordination.
• Maintain documentation, file accuracy, and recordkeeping for pricing and execution files.
• Support the rollout of new products or investor programs by inputting eligibility and pricing data.
• Respond to internal pricing or delivery-related inquiries with support from senior team members.
• Assist in compiling data for investor performance, gain-on-sale analysis, and margin tracking.

Qualifications

• Bachelor’s degree in Finance, Business, Mathematics, or related field.
• 1–3 years of experience in mortgage secondary marketing or a financial analyst role.
• Exposure to loan origination systems (e.g., Encompass), pricing engines, or capital markets platforms.
• Basic understanding of mortgage rate sheets, products, and pipeline management.
• Detail-oriented with solid Excel skills and a curiosity for analytical work.
• Ability to follow established processes, meet deadlines, and escalate issues when needed.
• Strong written and verbal communication skills.

Skills

• Excel – Intermediate (vlookups, pivot tables, basic modeling)
• PPE Tools – Exposure to Optimal Blue, EPPS, or similar platforms
• SQL – Basic knowledge is a plus
• LOS – Familiarity with Encompass or other LOS platforms
• Communication – Able to relay data and process updates clearly
• Time Management – Reliable in completing recurring tasks with accuracy
• Analytical Thinking – Interest in learning market data, pricing strategy, and secondary processes

Job Type: Full-time

Pay: From $66,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Experience:

• Mortgage Secondary Marketing or Financial analyst: 2 years (Required)
• Encompass, Pricing Engines or Capital Markets platforms: 2 years (Required)
• Mortgage rate sheets, products and pipeline management: 2 years (Required)

Work Location: Remote