Secondary Markets Analyst

Finance of America Holdings; Saint Paul (MN); On-site; USD 80,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Paid time off

Flexible spending account

401(k) with employer match

ESPP

Job summary

Finance of America Holdings, a leader in reverse mortgage solutions, seeks a Senior Professional to manage HMBS pools—structuring, pricing, execution, and settlement—while optimizing loan inventory and liquidity. You’ll develop data-driven processes, automate workflows, and collaborate with treasury, accounting, and operations to ensure compliant, efficient secondary market activities.

Applicants should have at least 4 years in mortgage banking, strong Excel and programming skills

Qualifications

• A minimum of 4 years of experience in mortgage banking or related financial services sector.
• Proficiency in MS Office Suite, especially Excel.
• Programming experience in SQL, Python, or VBA.
• Mathematical acumen.
• Attention to detail is essential.
• Excellent written and verbal communication skills.
• Analytical, critical thinking, and problem-solving skills.
• Strong time management and organizational skills.

Responsibilities

• Prepares recurring and ad hoc reporting on pool sales, loan inventory, channel margins, historical performance, and other loan- and portfolio-level analytics.
• Manages daily loan bidding, pricing, lock confirmations, and counterparty communication.
• Develops understanding of the mortgage banking industry from origination to sale of the asset.
• Executes trades ensuring compliance with investor guidelines and optimizing liquidity and profitability.
• Monitors the daily secondary market pipeline to assess and mitigate interest rate and market exposure.
• Uses financial models to structure and analyze HMBS pools and pricing methods based on market conditions and investor demand.
• Coordinates HMBS pool setup, trading delivery, and settlement with treasury, accounting, and operations.
• Develops and maintains SQL queries, Python scripts, Power Automate flows, and other automated processes to improve data accuracy and pricing/execution workflows.
• Maintains and distributes pricing grids to internal and external parties.
• Monitors mortgage market trends.
• Performs other duties as assigned.

Skills

Excel

Attention to detail

Communication skills

Analytical thinking

Time management

Mortgage industry knowledge

Education

Bachelor's Degree

Finance, Economics, or Mathematics

Master's Degree

CFA certification

Tools

SQL

Python

VBA

Job description

Finance of America helps homeowners 55+ access the equity they’ve built while staying in full control of their home and their financial future. Through a range of reverse mortgage solutions, we help customers shape the retirement they’ve earned while continuing to evolve how we serve and work together.

Joining Finance of America now means stepping into a period of momentum and growth, with teams actively shaping what comes next and opportunities to make an impact and grow your career.

Responsible for managing the structuring, pricing, execution, and settlement of Home Equity Conversion Mortgage-Backed Securities (HMBS) pools to optimize loan inventory, mitigate market risk, and support liquidity and profitability objectives. Collaborates with internal stakeholders to ensure accurate trade execution, regulatory compliance, and efficient secondary market operations.

Key Responsibilities and Expectations

• Prepares recurring and ad hoc reporting on pool sales, loan inventory, channel margins, historical performance, and other loan- and portfolio-level analytics.
• Manages daily loan bidding, pricing, lock confirmations, and counterparty communication.
• Develops a deep understanding of the mortgage banking industry from mortgage origination to sale of the asset.
• Executes trades while ensuring compliance with investor guidelines, optimizing execution, and supporting liquidity and profitability goals.
• Monitors the daily secondary market pipeline to assess and mitigate interest rate and market exposure.
• Utilizes financial models to structure and analyze Home Equity Conversion Mortgage-Backed Securities (HMBS) pools and applies pricing methodologies based on current market conditions, investor demand, and internal capital requirements.
• Coordinates and facilitates the HMBS pool setup, trading delivery, and settlement to manage the loan inventory in collaboration with internal stakeholders (e.g. treasury, accounting, operations, etc.) to ensure proper delivery and accounting of HMBS sales.
• Develops and maintains SQL queries, Python scripts, Power Automate flows, and other automated processes to improve data accuracy, reporting efficiency, and pricing and execution workflows.
• Maintains and distributes pricing grids to internal and external parties.
• Monitors mortgage market trends.
• Performs other duties as assigned.

Reports To

Director, Secondary Markets

Qualifications

Qualifications - Experience/Skills/Competencies

• A minimum of 4 years of experience in mortgage banking or related financial services sector.
• Proficiency in MS Office Suite, especially Excel.
• Programming experience in SQL, Python, or VBA.
• Mathematical acumen.
• Ability to consistently demonstrate very high attention to detail.
• Excellent written and verbal communication skills.
• Analytical, critical thinking, and problem-solving skills.
• Exceptional time management and organizational skills.
• Commitment to personal growth and enthusiasm to acquire an expanding skill set.

Qualifications - Education - Required

Bachelor's Degree

Qualifications - Education - Field(s)/Profession(s)

Finance, Economics, or Mathematics.

Qualifications - Education - Preferred

Master's Degree. CFA certification

Compensation

The base salary range for this position is ($80,000 - $130,000) inclusive of all geographical differences in the labor market. The base salary for the position will be determined based on factors such as the candidate’s work location, skills, education, and experience. In addition to these factors, we believe in the importance of pay equity and consider the internal equity of our current team members in determining any final offer. We offer a competitive benefits package including health, dental, vision, life insurance, paid time-off benefits, flexible spending account, 401(k) with employer match, and ESPP.

Additional Information

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Finance of America is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, sex (including pregnancy), sexual orientation, religion, creed, age, national origin, physical or mental disability, gender identity and/or expression, marital status, veteran status or other characteristics protected by law.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.