Secondary Market Analyst

AD Mortgage; Troy (MI); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

PTO

Sick days

Paid volunteer hours

Medical insurance

Dental insurance

Vision insurance

401(k)

Job summary

AD Mortgage, a broker-voted Top 5 U.S. wholesale lender with 20 years in the industry, seeks a Secondary Marketing Analyst to optimize loan pricing and manage market execution.

The role collaborates with production, capital markets, and executive teams to maximize profitability while mitigating risk. Responsibilities include monitoring real-time market data, executing loan sales, hedging activities, and analyzing pipeline risks.

Qualifications

• Strong financial modeling and advanced Excel skills.
• Experience with SQL or data manipulation a plus.
• Familiarity with secondary market platforms (Optimal Blue, MIEC, QRM).
• Excellent analytical and problem solving abilities with attention to detail.

Responsibilities

• Monitor and analyze real-time market data to determine optimal loan pricing and product offerings.
• Execute daily best-efforts and mandatory loan sales, pooling, and securitization activities.
• Manage loan commitments, ensure accurate pair-offs and timely delivery to investors.
• Perform daily hedge reconciliations and ensure proper risk management strategies.
• Generate daily/weekly/monthly reports on secondary market activities and profitability.

Skills

Financial modeling

Advanced Excel

Analytical thinking

Communication skills

Attention to detail

Problem solving

Tools

Optimal Blue

MIEC

QRM

Job description

We are seeking a highly analytical and detail-oriented Secondary Marketing 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.

Location and Schedule

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

Skills & Qualifications

• 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.

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).

Take the first step towards a rewarding career in the mortgage industry with AD Mortgage.

Our Recruitment team will reach out to you shortly!

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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.