Senior Secondary Market Analyst

Overview:

Responsible for end‑to‑end first mortgage pipeline management, advanced reporting, and market analysis, including providing guidance and recommendations related to pricing, risk, and profitability.

Responsibilities:

The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons.

• Serve as a subject‑matter resource for the Bank’s pricing engine, ensuring data integrity and effective flow of pricing and market information.
• Oversee and manage the Bank’s first mortgage pipeline through advanced reporting, trend analysis proactive monitoring.
• Review, validate and process all new loan locks received from the mortgage sales team, resolving exceptions and complex scenarios as needed.
• Ensure timely and accurate lock execution while identifying potential margin, pricing, or policy risks.
• Monitor and analyze market movement and provide timely insights, analysis and recommendations to department management and sales team.
• Work closely with residential staff including processing, underwriting and closing to provide timely updates on changes.
• Independently secure and manage Best-Effort lock commitments, evaluating margin implications and profitability impact.
• Ensure accuracy, completeness, and integrity of pipeline data, logs, and reporting tools.
• Communicate with lending partners to gain extensions, changes or relocks and negotiate terms when appropriate to mitigate risk or pricing exposure.
• Monitor market movements and actively contribute to pipeline hedging strategies and risk management decisions.
• Serve as a key resource for lock policy and investor guideline adherence, identifying gaps, trends, and opportunities to enhance profitability.
• Interpret and communicate investor pricing policies and guidelines to internal teams, providing guidance on complex or non‑standard scenarios.

Qualifications:

• Bachelor’s degree in Finance, Business or related field preferred or equivalent experience.
• Minimum of 3 years of related experience required.
• Proficiency in Microsoft Office required, including advanced knowledge of Excel.
• Encompass and Optimal Blue PPE proficiency strongly preferred.
• Basic understanding of mortgage banking / loan pricing.
• Knowledge of secondary market guidelines including government-sponsored enterprise (“GSE”)/ Federal Housing Administration (“FHA”).
• Experience working with third party lenders and pricing services.
• Excellent written and verbal communication skills.
• Excellent customer service skills.
• Acute attention to detail.

WORKING CONDITIONS:

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. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization

COMPENSATION: $80,000 to $120,000