Sr. Financial Analyst

CommunityAmerica Credit Union is hiring a Sr. Financial Analyst to strengthen TruHome Solutions’ financial performance and support strategic decision-making. This onsite role in Overland Park, KS blends advanced financial analysis, modeling, planning, and executive reporting across servicing, capital markets and secondary marketing, and corporate FP&A.

Working with finance and cross-functional partners, you will help evaluate MSR-related strategies, optimize financial models and margin analytics, and translate monthly results and operational insights into clear recommendations for senior leadership.

Key Responsibilities

• Oversee 3rd party valuation of MSR assets, including month-over-month valuation attribution, interest rate shocks, and sensitivities to primary variables.
• Calculate actual company metrics and compare them to MSR valuation assumptions to validate the soundness and reasonableness of 3rd party valuation.
• Develop and refine cost-of-service models that distinguish fixed, variable, allocated, incremental, and marginal costs to support profitability analysis, pricing decisions, and strategic planning.
• Evaluate MSR financing options and negotiate terms.
• Evaluate opportunities to maximize escrow deposit earnings tied to the MSR asset.
• Build robust models to value bulk MSR trades, including recapture, cash requirements, return on investment, and return on equity.
• Support expansion into Co-Issue channels and acquisition of flow MSR purchases.
• Review servicing operational practices to identify cost saving or efficiency opportunities.
• Analyze GNMA early pool buyout strategy as interest rates shift to ensure strategic alignment.
• Build margin analysis calculations and a database for each origination channel, including build up or erosion between Time 0, Time Current, and Time Final margins.
• Calculate hedge effectiveness using daily mark-to-market of hedge position and pipeline position.
• Develop a methodology for allocating hedge P&L by product and channel.
• Create a daily secondary marketing P&L that explains day-over-day changes in P&L and position.
• Create system checks to ensure reconciliation of Buy Price and Sale Price.
• Support strategic technology and operations projects related to capital markets.
• Support strategic whole loan sales on an ad hoc basis.
• Evaluate profitability of fulfillment clients to re-price client contracts and improve financial performance.
• Develop a capacity model to support origination team staffing needs.
• Support and participate in vendor contract negotiations and renewals to reduce overhead, including consolidating vendors or services where possible.
• Develop and deliver executive-level reporting and presentations that are clear and concise.
• Perform comprehensive financial analysis on lines of business, focusing on business performance, financial results, emerging trends, and strategic opportunities.
• Lead and support financial planning, budgeting, and forecasting activities.
• Analyze and explain monthly financial results, including detailed P&L variances, revenue and expense drivers, and deviations from budget or prior periods.
• Build sophisticated financial models to evaluate business performance, support strategic initiatives, and quantify financial impact of operational or business decisions.
• Conduct complex, often time-sensitive ad hoc analyses in response to evolving business needs, executive inquiries, strategic initiatives, and emerging operational or financial challenges.
• Identify and implement improvements to financial reporting, analytical tools, data integrity, modeling methodologies, and automated processes to enhance accuracy, efficiency, and scalability.
• Use independent judgment, critical thinking, and problem-solving to challenge assumptions and uncover opportunities to improve financial performance.

Required Qualifications

• Bachelor Degree required.
• 5+ years of experience in the Mortgage industry.
• 5+ years of experience in Finance, Secondary Marketing, Capital Markets, or another analytical role.
• Ability to identify trends and generate actionable business intelligence for senior leadership from raw data.
• Ability to automate using Excel and other technology solutions.
• Strong organizational skills, with the ability to manage processes and guide others to meet deadlines.
• Self-starter able to work with limited supervision.
• Ability to solve problems quickly and efficiently while thinking analytically and logically.
• Ability to manage multiple projects, objectives, and deadlines.
• Ability to communicate effectively in writing and orally.
• Ability to resolve interpersonal conflict and miscommunications.
• Ability to maintain a high level of confidentiality.
• Ability to analyze complex financial data, identify discrepancies, investigate variances, and provide accurate, actionable insights.
• Advanced Microsoft Excel skills (pivot tables and lookup functions are not considered advanced; must be able to use and create complex workbooks using multiple large data sets).
• Proficient with accounting software, general ledger systems, and financial reporting tools.

Technologies

• Excel, Microsoft Excel
• Accounting software
• General ledger systems

Location: Overland Park, KS (onsite)

Experience: 5 years minimum

Education: Bachelor Degree