mortgage analyst

Xoto Proptech Real Estate LLC.

Credit Analyst &ndash; Mortgage TeamDepartment: Mortgage Advisory / FinanceLocation: Dubai, Business BayCompany: Xoto Proptech Real Estate LLC.About Xoto:Xoto Proptech Real Estate LLC is a modern, technology-driven real estate advisory firm based in Dubai that focuses on helping clients make smarter property investment decisions. The company offers end-to-end real estate solutions including property buying, selling, leasing, and mortgage advisory, ensuring a seamless experience for investors, homeowners, and businesses.Job OverviewWe are seeking a detail-oriented Credit Analyst to join our Mortgage Team. The candidate will be responsible for evaluating clients&rsquo; financial profiles, assessing creditworthiness, and supporting mortgage application processes with banks and financial institutions. The role requires strong analytical skills, knowledge of mortgage lending criteria, and the ability to work closely with clients, banks, and internal teams to ensure smooth loan approvals.Key Responsibilities<ul><li>Review and analyze clients&rsquo; financial documents including salary certificates, bank statements, credit reports, and liabilities.</li><li>Assess the creditworthiness and repayment capacity of mortgage applicants.</li><li>Prepare and submit mortgage applications to partner banks and financial institutions.</li><li>Ensure all documentation complies with bank policies and regulatory requirements.</li><li>Coordinate with banks, relationship managers, and clients throughout the mortgage approval process.</li><li>Provide recommendations on suitable mortgage products based on the client&rsquo;s financial profile.</li><li>Track mortgage applications and follow up with banks for approvals and updates.</li><li>Maintain accurate records of all applications and client financial data.</li><li>Assist the sales team by providing financial feasibility assessments for potential buyers.</li><li>Stay updated with mortgage regulations, bank policies, interest rates, and lending criteria.</li></ul>Requirements<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or related field.</li><li>2&ndash;4 years of experience in mortgage processing, credit analysis, or banking.</li><li>Knowledge of UAE mortgage regulations and bank lending policies is preferred.</li><li>Strong understanding of financial statements and credit risk assessment.</li><li>Proficiency in Microsoft Excel and financial analysis tools.</li></ul>Key Skills<ul><li>Credit risk analysis</li><li>Mortgage processing</li><li>Financial assessment</li><li>Attention to detail</li><li>Strong communication and coordination skills</li><li>Problem-solving and analytical thinking</li></ul>Preferred Experience<ul><li>Experience working with UAE banks or mortgage advisory firms.</li><li>Familiarity with UAE Central Bank mortgage regulations.</li><li>Experience coordinating mortgage approvals for real estate transactions.</li></ul>pls send resume to biz@xoto.ae with subject as Credit AnalystJob Type: Full-timePay: AED3,000.00 - AED4,000.00 per monthJob Types: Full-time, PermanentWork Location: In personWhy Join XOTO<ul><li>Be part of a category-defining PropTech platform</li><li>Opportunity to build and scale mortgage operations from the ground up</li><li>High ownership role with direct impact on business growth</li><li>Work at the intersection of real estate, finance, and technology</li></ul>Job Types: Full-time, PermanentPay: AED2,500.00 - AED4,000.00 per monthWork Location: In person

Credit Analyst -Mortgage Operations

First Colony Mortgage

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&rsquo;s most recognized mortgage and home services companies &ndash; and we&rsquo;re just getting started.But what really sets us apart isn&rsquo;t our track record. It&rsquo;s our culture. At First Colony, we believe that creativity fuels great work &ndash; 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 &ndash; with clarity, creativity, and genuine care.We&rsquo;re not just a mortgage company. We&rsquo;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 SummaryThe 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&ndash;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<ul><li>Assist in maintaining pricing data within the product and pricing engine (e.g., Optimal Blue, EPPS).</li><li>Help generate and distribute daily rate sheets and pricing reports.</li><li>Support investor loan delivery, including preparation of bid tapes and post-purchase reconciliation.</li><li>Run and validate pipeline reports, hedging coverage, and pull-through assumptions under guidance.</li><li>Assist with margin updates, pricing audits, and lock desk coordination.</li><li>Maintain documentation, file accuracy, and recordkeeping for pricing and execution files.</li><li>Support the rollout of new products or investor programs by inputting eligibility and pricing data.</li><li>Respond to internal pricing or delivery-related inquiries with support from senior team members.</li><li>Assist in compiling data for investor performance, gain-on-sale analysis, and margin tracking.</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Business, Mathematics, or related field.</li><li>1&ndash;3 years of experience in mortgage secondary marketing or a financial analyst role.</li><li>Exposure to loan origination systems (e.g., Encompass), pricing engines, or capital markets platforms.</li><li>Basic understanding of mortgage rate sheets, products, and pipeline management.</li><li>Detail-oriented with solid Excel skills and a curiosity for analytical work.</li><li>Ability to follow established processes, meet deadlines, and escalate issues when needed.</li><li>Strong written and verbal communication skills.</li></ul>Skills<ul><li>Excel &ndash; Intermediate (vlookups, pivot tables, basic modeling)</li><li>PPE Tools &ndash; Exposure to Optimal Blue, EPPS, or similar platforms</li><li>SQL &ndash; Basic knowledge is a plus</li><li>LOS &ndash; Familiarity with Encompass or other LOS platforms</li><li>Communication &ndash; Able to relay data and process updates clearly</li><li>Time Management &ndash; Reliable in completing recurring tasks with accuracy</li><li>Analytical Thinking &ndash; Interest in learning market data, pricing strategy, and secondary processes</li></ul>Job Type: Full-timePay: From $66,000.00 per yearBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Paid time off</li><li>Vision insurance</li></ul>Experience:<ul><li>Mortgage Secondary Marketing or Financial analyst: 2 years (Required)</li><li>Encompass, Pricing Engines or Capital Markets platforms: 2 years (Required)</li><li>Mortgage rate sheets, products and pipeline management: 2 years (Required)</li></ul>Work Location: Remote

Capital Markets, Analyst II

Home Mortgage Alliance Company (HMAC)

Overview Home Mortgage Alliance Corporation is seeking a highly analytical and detail-oriented Pricing Analyst to join our Secondary Marketing team. This individual will play a critical role in managing and ensuring accuracy and consistency across all pricing engines, rate sheets, and investor guidelines.Why Join us?<ul><li>Be part of a growing platform where pricing matters and execution counts.</li><li>Work in a collaborative environment with a focus on professional growth.</li><li>Opportunity to make a measurable impact on business performance.</li></ul>Responsibilities<ul><li>Monitor and maintain accuracy of all pricing engines and systems.</li><li>Analyze loan-level pricing adjustments (LLPAs) and ensure alignment with investor guidelines.</li><li>Support the Secondary Marketing team in pricing strategies for conventional, Non-QM, and wholesale products.</li><li>Generate and distribute pricing reports, providing actionable insights to lending teams.</li><li>Identify opportunities to improve pricing accuracy, efficiency, and execution.</li><li>Create and prepare reports.</li><li>Other duties as assigned.</li></ul>Qualifications<ul><li>Strong understanding of mortgage pricing, rate sheets, and loan-level adjustments (LLPAs).</li><li>Experience with Non-QM, wholesale, or secondary market operations is a plus.</li><li>Excellent analytical and problem-solving skills.</li><li>Advanced Excel skills, including formulas, pivot tables and data analysis.</li><li>Detail-oriented with the ability to manage multiple priorities in a fast-paced environment.</li><li>Strong communication skills and ability to work collaboratively across teams.</li><li>High School graduate or equivalent.</li></ul>Join our dynamic team where your expertise will contribute significantly to our success in delivering exceptional service.Compensation is based upon experience. Job Type: Full-timePay: $80,000.00 - $120,000.00 per yearBenefits:<ul><li>401(k)</li><li>Dental insurance</li><li>Health insurance</li><li>Paid time off</li><li>Vision insurance</li></ul>Experience:<ul><li>Mortgage Lending Pricing : 2 years (Required)</li></ul>Ability to Commute:<ul><li>Santa Ana, CA 92707 (Required)</li></ul>Work Location: In person

Mortgage Lending Pricing Analyst – Santa Ana, CA

NFM Lending

<div>Position Summary:
The Condo Analyst is responsible for evaluating condominium projects to determine eligibility for FHA, VA, and Conventional financing. This role involves reviewing submission packages, leveraging mortgage industry software, and facilitating the condo approval process to ensure compliance with investor and regulatory guidelines.
Qualifications:
<ul><li>Minimum two years&rsquo; experience in the mortgage industry.</li><li>
Experience with FHA, VA, and Conventional loan processes.</li><li>
Familiarity with Encompass or similar mortgage industry software.</li><li>
Strong analytical skills and attention to detail.</li><li>
Ability to prioritize tasks and meet deadlines in a dynamic environment.</li><li>
Good communication and interpersonal skills.</li><li>
Adaptable to changing environments and regulatory requirements.</li></ul>
Essential Job Functions include, but are not limited to:
<ul><li>Perform basic analysis of condo project documentation to determine project eligibility for FHA, VA, and Conventional financing.</li><li>
Manage submission packages, ensuring all necessary information is included and accurately represented.</li><li>
Utilize Encompass or similar systems to manage and track project status, submission packages, and approval processes.</li><li>
Support senior team members in training initiatives and condo approval processes.</li><li>
Assist in analyzing financial statements, legal documents, budgets, and insurance policies for adequacy.</li><li>
Serve as a resource for processors, underwriters, loan officers, borrowers, and attorneys regarding condo-related inquiries.</li><li>
Assist in reviewing insurance documentation, including Liability, Hazard, Flood, and Fidelity policies, to determine acceptability.</li><li>
Support senior team members in making recommendations for policy and process improvements.</li><li>
Maintain current awareness and understanding of all regulatory compliance responsibilities of the position, ensuring compliance with all applicable laws, regulations, policies, and guidelines.</li><li>
Collaborate with homebuilders and branch requests to ensure timely and accurate condo approval.</li><li>
Additional duties as assigned.</li></ul>
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, skills, efforts, or working conditions associated with a job.
Working Conditions Information:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is often required to walk; use hands to finger, handle, or operate computers, objects, tools, or controls; and reach with hands and arms. Specific vision abilities required by this job include close vision and the ability to adjust focus.
This job description is not a contract of employment. The employer, in its sole discretion, may modify or adjust the position to meet the organization&rsquo;s changing needs.
NFM Lending is an equal-opportunity employer. We value diversity and do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. NFM believes success is created by a diverse workforce of individuals with different ideas, strengths, interests, and cultural backgrounds.
The range provided reflects the expected compensation for this role and is considered a general guideline. Actual compensation will be decided based on factors such as geographic location, skills, education, experience assessed during the interview process, and internal pay equity. Compensation may also include incentives such as per-file bonuses and discretionary bonuses as applicable to the role.
Qualifying employees are eligible to participate in our Total Rewards program. Additional information can be found by clicking on the following link: Benefits and Total Rewards
NFM Lending, LLC. is an equal-opportunity employer. We value diversity and do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. NFM believes success is created by a diverse workforce of individuals with different ideas, strengths, interests, and cultural backgrounds.</div>

Condominium Analyst

Truist

<div>The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.
Need Help?
If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).
Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)<h3 class="jobSectionHeader">
Please review the following job description:</h3>
Manage and drive construction, implementation, and maintenance of highly complex Risk Management, Risk Reporting, Pricing, Securitization, and Market Analytics solutions and tools for the Mortgage Trading Manager. Liaise and collaborate with various risk, profitability, and channel partners in order to optimize and expand Hedge Team capabilities and increase Post Lock revenue. May be responsible for neutralizing market and liquidity related risks on a Risk Position while minimizing the associated hedge costs.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
<ul><li>Generate various analytics to support and inform hedging strategies with the goal of neutralizing impacts to all Risk Positions from market driven duration, convexity, volatility, key-rate, relative value and liquidity related risks. These analytics encompass all instruments traded (MBS, Swaps, Treasury Futures, Eurodollar Futures, and Derivatives) as well as all assets being hedged (rate locks, warehouse loans, fallout, IO strips, MSR, etc.)</li><li>
Leverage knowledge and understanding of Mortgage-Backed Securities (MBS), Whole Loan, and MBS/Futures/Rates Options markets to isolate, analyze, and report on underlying market trends and identify relative value opportunity.</li><li>
Work independently and with others to isolate and quantify various risk factors on the asset being hedged. Develop quantitative models and multi-dimensional risk reporting to enhance the Hedge Team&rsquo;s views of risk on the aforementioned assets.</li><li>
Implement statistical methods on all means of markets and position data to better stratify risks and highlight opportunities Design and construct highly complex hedging, pricing, and securitization tools to support all facets of the Hedge Team&rsquo;s areas of responsibility.</li><li>
Maintain these tools in ever evolving risk, regulatory, and trading environments.</li><li>
Advise various partners in leveraging these tools both inside and outside of the Hedge Team.</li><li>
Retain flexibility to respond in rapidly changing markets to any challenge faced with respect to quantitative analytics and risk Optimize loan level profitability via MBS securitization of originations through collaboration with Loan Delivery Team and Mortgage Trader 2 on creation of MBS.</li><li>
Manage and direct loan level disposition into securities while maintaining profitability, market share, and relationship goals Potentially responsible for managing a Risk Position in order to preserve Initial Margin through precisely managed hedging, decreasing associated hedge-costs where possible, and maximizing Post Lock Gain on Sale Revenue through various activities and tactics with the GSE&rsquo;s and various Wall Street Investors.</li><li>
Generate daily rate sheet pricing through careful and thorough monitoring of various interest rate and TBA markets Liaise with Pipeline Risk and Valuation team to optimize QRM-MB risk and valuation system, ADCO prepayment model, and Fallout functions as well as explain and develop attribution of day over day profit and loss changes Collaborate with Servicing Asset Manager to maintain optimized connection with the QRM-SV MSR risk and valuation system.</li><li>
Strive to continue alignment of both risk and valuation for pipeline and warehouse assets with the engine being used to capitalize the cashflows.</li><li>
Work closely with channel partners in order to stratify market share views, analyze underlying trends in the competitive originations landscape, measure profitability and optimize the margin/volume tradeoff.</li></ul>
QUALIFICATIONS 
Required Qualifications: 
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.<ul><li>
Bachelor&rsquo;s degree in Quantitative Finance, Mathematics, or related quantitative degree</li><li>
2+ Years of Risk Analysis or Risk Management Experience</li><li>
Demonstrated experience with advanced statistical analysis, modeling, and quantitative finance</li><li>
Intermediate SQL, Excel, and VBA Understanding of Interest Rate Markets and MBS valuation</li></ul> 
Preferred Qualifications:<ul><li>
Master&rsquo;s degree in Quantitative Finance, Mathematics, or advanced certification such as FRM or CFA</li><li>
Expert in SQL, Excel, VBA and data management and analysis</li><li>
Intricate knowledge of technical analysis, MBS prepayments and cashflows, the interconnectedness of global markets and their subsequent influence on whole loans and MBS.</li></ul> 
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist&rsquo;s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist&rsquo;s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.
EEO is the Law E-Verify IER Right to Work</div>

Mortgage Risk & Analytics Analyst

Accion Labs

<div>
 
 seeking a Technical Business System Analyst to bridge business and engineering teams across our .NET and Java ecosystems. You&rsquo;ll lead requirements discovery and documentation, map business processes to technical solutions, and support delivery for mortgage and banking products&mdash;ensuring regulatory compliance, data integrity, and operational efficiency.
 
 
 
 
 
 
 Required Qualifications
 
 
 
 5&ndash;7 years as a Business/System Analyst; at least 3+ years supporting .NET and/or Java application teams.
 
 
 Strong command of requirements elicitation and documentation (BRD/FRD, user stories, acceptance criteria).
 
 
 Experience as a BA/BSA on projects using:
 
 <ul>
 <li>
 Java (Spring, REST APIs), .NET (C#, ASP.NET Core), API integration, Microservices concepts.
 </li>
 <li>
 SQL (querying, data validation), data mapping, ETL exposure; familiarity with RDBMS (SQL Server, Oracle, Postgres).
 </li>
 </ul>
 
 Strong Agile/Scrum experience; Jira/Azure DevOps proficiency.
 
 
 
 Nice to have:
 
 
 <ul>
 <li>
 Mortgage/banking domain knowledge&mdash;loan lifecycle, compliance, servicing, payments, and reporting.
 </li>
 <li>
 Excellent communication, stakeholder facilitation, and problem-solving skills.
 </li>
 </ul>
 
 
</div>

Only W2(No C2C) - Only Locals(Columbus, OH) - Business Systems Analyst(.Net or Java, SQL) - 6 Months C2H

Idaho Housing and Finance Association

<div>Description:

WE ARE HIRING!
We are seeking a detail-oriented and motivated Financial Analyst to join our Finance team at Idaho Housing and Finance Association. As a Financial Analyst, you will support capital markets activities including mortgage-backed securities transactions, mortgage revenue bonds, and investment portfolio analysis. This position works closely with internal teams and external financial partners to support financial operations and ensure accurate reporting and compliance. If you have strong analytical skills, attention to detail, and an interest in capital markets, we encourage you to apply.
Why Work with Us?
At our organization, we are dedicated to improving lives and strengthening Idaho communities. We believe that housing opportunities, self-sufficiency, and economic development are the pillars of progress. Our commitment to our team is unwavering, and we consider our employees our greatest priority. Join us and be part of a professional and mission-driven organization that makes a meaningful impact on the lives of Idahoans.
In This Role, You Will:<ul><li>
Support capital markets transactions including mortgage-backed securities, mortgage revenue bonds, securities investments, balance sheet management, and coordination of TBA transaction processing and settlements with Accounting</li><li>
Analyze and extract data from internal systems to develop financial reports, charts, and portfolio insights</li><li>
Coordinate with external partners including investment banks, trustees, commercial banks, rating agencies, and legal counsel</li><li>
Assist with compliance reporting and annual tax compliance documentation</li><li>
Manage multiple projects while maintaining organized electronic records and providing analytical support to the finance team</li><li>
Other job duties as assigned</li></ul>
Requirements:
<ul><li>Bachelor&rsquo;s degree in Finance, Business, Economics, or a related field from an accredited college or university</li><li>
Strong analytical skills with attention to detail and the ability to interpret financial data</li><li>
Proficiency in Microsoft Excel and familiarity with other Microsoft Office tools</li><li>
Ability to manage multiple priorities and meet deadlines in a fast-paced environment</li><li>
Strong communication and collaboration skills within a team environment</li><li>
Interest in learning and developing expertise in capital markets and financial transactions</li></ul></div>

Financial Analyst

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