Secondary Market Analyst

A&D Mortgage; Troy (MI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

PTO / Sick Days

Medical, Dental, Vision benefits

Paid volunteer hours

401k

Job summary

A&D Mortgage is seeking a highly analytical Secondary Market Analyst to join our capital markets team at the MI Corporate HQ in Troy. You will monitor real-time pricing, manage loan commitments, and support liquidity planning while working closely with production and executive leadership.

The ideal candidate has a strong background in finance, 1–3 years in secondary marketing or related fields, and solid skills in financial modeling and Excel.

Qualifications

• Bachelor’s degree in Finance, Economics, Mathematics, or a related quantitative field.
• 1-3 years of secondary marketing, capital markets, or financial analysis preferred.
• Experience with financial modeling and advanced Excel is required.

Responsibilities

• Monitor market data and determine optimal pricing strategies for loans.
• Execute loan sales, pooling, and securitization activities.
• Analyze loan pipeline for rate and credit risk exposures.
• Generate reports on secondary market activities and profitability.
• Ensure compliance with agency and investor guidelines.

Skills

Financial modeling

Advanced Excel

SQL

Analytical skills

Communication skills

Education

Bachelor’s degree in Finance, Economics, Mathematics

Tools

Optimal Blue

MIEC

QRM

Job description

Job Details

Job Location: MI Corporate HQ - Troy, MI 48098Job Category: FinanceAtAD Mortgage,we’ve been helping clients achieve their homeownership dreams for over 20 years — and we couldn’t do it without our team.

With more than 400 passionate professionals (and growing!), we’ve built a culture rooted in collaboration, continuous growth, and shared success.

Join a company that listens to your voice, invests in your development, and celebrates every win — big or small.

Your future starts here. Let’s grow together.

Overall Responsibilities

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

Qualifications

Education: Bachelor’s degree in Finance, Economics, Mathematics, or a related quantitative field.

Experience: 1-3 years of secondary marketing, capital markets, or financial analysis within the mortgage banking or financial services industry is preferred, but not required.

Skills & Competencies

• 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.

We offer

• PTO/Sick Days
• Comprehensive medical, dental, vision benefits
• Paid volunteer hours
• Life Insurance, Short-term Disability, and Long term Disability
• Health Savings Account
• 401k
• Paid training and career development
• Healthy grab and go snacks
• Career Growth: As part of a growing and evolving company, you will have ample opportunities to develop your career, take on new challenges, and make a significant impact.
• Inclusive Culture: We are committed to fostering a diverse and inclusive workplace where all employees feel valued and empowered. We celebrate unique perspectives and believe diversity drives innovation.
• Cutting-Edge Technology: Access state-of-the-art learning tools and technologies to enhance your own professional development and that of the entire organization.

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 receive other benefits and privileges of employment. Please contact us to request accommodation.