Senior Analyst Mortgage Capital Markets (Remote)

First Citizens Bank; Greenville (SC, TX); Remote; USD 80,000 - 120,000; Full time

Job summary

An innovative financial institution is seeking a Senior Analyst for Mortgage Capital Markets to support liquidity strategies and manage mortgage pool transactions. This remote role emphasizes data analytics to drive profitability and minimize risk while ensuring compliance with investor guidelines. The ideal candidate will have a strong background in mortgage operations and capital markets, with the ability to analyze market trends and develop actionable insights. Join a dynamic team where your contributions will enhance transaction execution and overall portfolio performance. This is an exciting opportunity to make a significant impact in a forward-thinking company.

Qualifications

• 3 years of experience in Mortgage Operations or 7 years without a degree.
• Strong understanding of mortgage capital markets and liquidity strategies.

Responsibilities

• Assist in structuring and executing mortgage pool transactions.
• Develop dashboards and reports visualizing key metrics.
• Ensure loan transaction documentation is compliant and accurate.

Skills

Familiarity with mortgage non-agency products

Knowledge of investor-specific mortgage programs

Understanding of capital markets processes

Financial analysis and forecasting

Process improvement recommendations

Education

Bachelor's Degree in relevant field

High School Diploma or GED

Tools

Data analytics tools

Job description

Overview

This is a remote role that may only be hired in the following locations: (California, Arizona and South Carolina)

The Senior Analyst Mortgage Capital Markets (Senior Analyst) plays a critical role in supporting capital markets liquidity strategies by managing mortgage pool transactions and conducting analysis to drive profitability and minimize risk. The role focuses on ensuring smooth execution of non-agency mortgage loan sales and acquisitions while providing insights into market trends, pricing strategies, and portfolio performance. The Senior Analyst uses data analytics tools to perform analysis, generate actionable insights, and support decision-making processes. Senior Analyst coordinates closely with internal teams and external investors, ensuring compliance with investor guidelines, optimizing transaction execution, and contributing to the overall profitability of the mortgage portfolio. Additional duties may include securitization support, mortgage pipeline hedging, CRA initiatives, and MSR valuation and reporting.

Responsibilities

• Business Support - Assists in structuring and executing mortgage pool transactions. Coordinates with investors, ensuring clear communication and timely delivery of transaction details. Manages documentation and communication with investors, rating agencies, and other external parties. Supports due diligence efforts by gathering necessary data and collaborating with internal teams. Monitors market conditions to identify transaction opportunities and assess potential risks.
• Reporting - Develops dashboards and detailed reports that visualize key metrics. Conveys patterns, problems, and areas of improvement.
• Documentation - Ensures loan transaction documentation is accurate, compliant, and audit-ready. Regularly updates guidelines, instructions, policies, and procedures.
• Data Analysis - Sources, compiles, and interprets data. Analyzes data for accuracy and efficiencies, effectively communicates analysis output.

Qualifications

Bachelor's Degree and 3 years of experience in Mortgage Operations OR High School Diploma or GED and 7 years of experience in Mortgage Operations

Preferred Area of Experience: Mortgage Capital Markets, Secondary Marketing, Liquidity Strategies, knowledge of Investor-specific mortgage programs.

Skill(s): Strong familiarity with current mortgage non-agency products, guidelines, processes., Knowledge of investor-specific mortgage programs., Strong understanding of capital markets processes, including whole loan sales, bulk transaction management, securitization., Knowledge of financial analysis, forecasting., Proficiency in researching issues, determining options, and making process improvement recommendations.

If hired in South Carolina, the base pay for this position is generally between $80,000 and $120,000. If hired in [AZ or CA], the base pay for this position is generally between $90,000 and $140,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.