Pricing and Margin Management Analyst

🔥 20 minutes ago

🏈 Alabama, Arizona, +11 more states – Remote

🏈 Alabama – Remote 🌵 Arizona – Remote 🐊 Florida – Remote 🌽 Illinois – Remote 🌪️ Kansas – Remote 🐎 Kentucky – Remote ⚜️ Louisiana – Remote 🌲 North Carolina – Remote 🚗 Michigan – Remote 🌴 South Carolina – Remote 🤠 Texas – Remote ⛷️ Utah – Remote 🍑 Georgia – Remote

💵 $97k - $125k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Business Analyst

👻 Ghost score 0%

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Visio Lending

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2012

🏠 Real Estate

💸 Finance

Real Estate • Finance

Visio Lending is a leading lender for buy and hold real estate investors, offering long-term financing solutions for single-family rental properties including vacation rentals. With over 15 years of experience, Visio Lending has closed 17,000 loans totaling $3. 3 billion in volume and serves investors across 38 states and Washington, D. C. The company specializes in DSCR (Debt Service Coverage Ratio) loans, providing customizable rate structures for long-term rentals and vacation rentals without requiring personal income statements. Visio Lending is known for its expertise, speed, and reliability, making it a preferred choice for real estate investors seeking dependable financing options.

📋 Description

• Monitor market factors influencing pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry • Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state • Recommend base rate and price-adjuster changes and quantify expected margin impact • Identify pricing opportunities where products may be priced above or below market • Maintain and analyze the margin waterfall from rate sheet pricing through realized execution • Compare target and realized margins across products, channels, brokers, and account executives • Identify margin leakage and recommend pricing, policy, or process improvements • Model potential margin and volume impact of proposed pricing strategies • Build and maintain pricing and margin dashboards for leadership using Power BI, Tableau, or Excel • Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel • Conduct structured pricing analyses and tests to evaluate volume and margin response • Analyze and report on broker and channel economics, including points, compensation, and volume mix • Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance • Analyze broker performance using pull-through, volume, cycle times, file quality, and loan performance • Monitor competitor DSCR and non-QM pricing and product offerings • Benchmark Visio's competitive position using win/loss data and broker feedback • Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact • Document pricing methodology and rationale behind rate sheet changes • Support fair lending monitoring of discretionary pricing • Partner with the pricing engine administrator to specify and validate rate sheet changes before release • Build and maintain financial models supporting budgets, forecasts, and scenario planning • Support monthly close, budgeting, and forecasting through variance analysis • Analyze loan-level and financial data for ad hoc Finance and executive leadership requests • Contribute to management reporting, board materials, and investor and warehouse lender reporting • Take on other FP&A projects and analysis as assigned based on business needs

🎯 Requirements

• 3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor • Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate sheet pricing • Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall • Advanced Excel skills, including the ability to build financial and analytical models • Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data • Strong analytical and problem-solving skills with the ability to translate complex analysis into actionable recommendations • Excellent communication skills and the ability to present pricing recommendations and analytical findings to executive and sales leadership • Experience with LoanPASS, Polly, Optimal Blue, or similar pricing technology • Experience developing dashboards in Power BI or Tableau • Experience using Python or R for data analysis • Exposure to whole-loan trading or non-QM securitization • Bachelor's degree in Finance, Economics, Mathematics, or a related field

🏖️ Benefits

• Collaborative culture • Growth opportunities • Flexibility with remote work options

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