The Team:
At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.
Position Summary:
The Jr. Capital Markets Analyst for Kind Lending’s expanding Capital Markets organization reports to the VP Capital Markets and is directly responsible for supporting functions related to activities to prepare loans for sale (GNMA MBS and MSR) and post sale (PA reconciliation). Additionally, the Analyst will be responsible for continued maintenance/development of policies and procedures tied to assigned tasks.
Duties & Responsibilities:
- Work cross-functionally within Capital Markets to perform all duties that aid in selling and purchasing loans. Collaborate with multiple business groups as needed.
- Provide pricing and transactional support for agency co-issue transactions, MBS pools, and Agency transactions. Ensure LOS is updated with accurate information.
- Perform reconciliation on loans sold to identify any differences between expected and actual gains on sale.
- Execute pricing models/tools to conduct best execution analysis, pull through analysis, and optimization to maximize profitability. Provide ad-hoc analysis and reporting.
- Contribute to the process of model and technology improvement across various analytic and database tools for managing risk and operational processes.
- Develop new processes to improve business functions as needed.
- Performs other duties as assigned.
Qualifications:
- Minimum of two years in mortgage industry (Capital Markets or MSR Valuation preferred)
- Proficient with excel (VBA is a plus)
- Proficiency with SQL, Snowflake and/or Python is a plus
- Excellent written, verbal, and interpersonal communication skills as well as strong presentation skills
- Must be detail oriented and organized
- Works extremely well in a fast-paced environment
- Strong ability to prioritize and reprioritize as necessary
Education:
Bachelor’s degree or equivalent work experience.
Location:
This position can be remote, however if you reside within a 30 mile radius of the corporate office (Irvine, CA) then it will be a mandatory in-office Monday – Friday position.
Pay Disclosure:
The starting base salary range for this position is $70,000 annually. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.
Disclaimer Statement:
This job description is not intended, nor should it be construed to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to positions of this type.
Work Authorization:
Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.
Other Duties:
This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.
Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.
***For your security, Kind Lending will only contact you from email addresses ending in kindlending.com. Emails from any other domain should be treated as suspicious and may be phishing attempts.
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