Finance Operations Analyst

AD Mortgage; Troy (MI); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

PTO

Sick days

Volunteer hours

Medical insurance

Dental insurance

Vision insurance

401(k)

Job summary

AD Mortgage in Troy, MI is seeking a Finance Operations Analyst to administer compensation programs for loan originators, account executives, regional managers, and staff. You will calculate commissions, prepare journal entries, support payroll, and manage budgets and incentive programs.

The role is full-time and office-based in our Troy, Michigan office with standard hours Monday to Friday, 9:00 AM to 6:00 PM, emphasizing accurate processing and compliance.

Qualifications

• 3+ years in compensation administration, finance operations, accounting, or payroll.
• Mortgage banking/financial services experience preferred.
• Experience calculating complex commission structures.
• Experience preparing journal entries and reconciliations.
• Experience with collections, invoicing, or production incentive programs is a plus.
• Bachelor's degree in Accounting, Finance, Business Administration, or related field preferred.

Responsibilities

• Calculate and process commissions and bonus payments.
• Prepare compensation-related journal entries, accruals, and reconciliations.
• Support payroll by ensuring compensation data is accurate and complete.
• Manage Regional Manager budget approvals, and reporting.
• Administer Margin Holdback and VA Sponsorship programs, including calculations, approvals, and payments.
• Review Early Loan Payoff and Early Payment Default fees, collections, and payment plans.
• Support month-end close, account reconciliations, financial reporting, and analyses.
• Collaborate with Payroll, Finance, Sales, IT, and Operations to resolve issues and improve processes.

Skills

Advanced Excel

Commission calculations

Financial analysis

Data analysis

Confidentiality

Communication

Organization

Problem solving

Education

Bachelor's degree in Accounting or Finance

Tools

Payroll interfaces

Accounting systems

Pivot Tables

VLOOKUP/XLOOKUP

Job description

About This Opportunity

The Finance Operations Analyst is responsible for administering the Company's compensation programs for Loan Originators, Account Executives, Regional Managers, and other production staff. This role ensures the accurate calculation and processing of commissions, bonuses, incentive programs, and related accounting entries while supporting financial reporting and operational excellence.

Key Responsibilities

• Calculate and process commissions and bonus payments.
• Prepare compensation-related journal entries, accruals, and reconciliations.
• Support payroll by ensuring compensation data is accurate and complete.
• Manage Regional Manager Exception (RME) budgets, approvals, and reporting.
• Administer Margin Holdback and VA Sponsorship programs, including calculations, approvals, and payments.
• Review and manage Early Loan Payoff (EPO) and Early Payment Default (EPD) fees, collections, and payment plans.
• Support month‑end close, account reconciliations, financial reporting, and operational analyses.
• Partner with Payroll, Finance, Sales, IT, and Operations to resolve compensation issues, improve processes, and maintain compliance.

Location and Schedule

• This is a full‑time, office‑based position in a modern, cozy environment in our office in Troy, Michigan.
• Our standard working hours are Monday to Friday, 9:00 AM to 6:00 PM, promoting a healthy work‑life balance.

Skills & Qualifications

Experience & Education

• 3+ years of experience in compensation administration, finance operations, accounting, or payroll.
• Mortgage banking, financial services, or banking industry experience strongly preferred.
• Experience calculating complex commission structures.
• Experience preparing journal entries and account reconciliations.
• Experience with collections, invoicing, or production incentive programs is a plus.
• Bachelor's degree in Accounting, Finance, Business Administration, or a related field preferred.
• Equivalent combination of education and relevant experience will be considered.

Knowledge & Skills

• Advanced Microsoft Excel skills (Pivot Tables, VLOOKUP/XLOOKUP, formulas, data analysis).
• Strong understanding of commission and bonus calculations.
• Knowledge of accounting principles and general ledger entries.
• Experience with payroll interfaces and accounting systems.
• Strong analytical and problem‑solving abilities.
• Excellent organizational skills with exceptional attention to detail.
• Ability to manage multiple priorities and meet strict deadlines.
• Excellent written and verbal communication skills.
• Ability to maintain confidentiality when handling compensation information.

What We Offer | Career and Culture

• Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that’s heard and brings value.
• Growth Path: Defined paid training and clear pathways for career development.
• Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).

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.

AD Mortgage is a broker‑voted Top 5 U.S. wholesale lender, and recognized as a top Non-QM lender in the U.S. With 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.