Margin Manager

Date: 6 days ago

City: Gilbert, Arizona

Contract type: Full time

Remote

Description

Ingest and analyze investor rate sheets daily to ensure accurate and timely updates to internal pricing models.
Generate daily rate sheets for internal and external distribution, ensuring accuracy and alignment with margin strategies.
Monitor and manage product-specific and investor-specific margins based on market trends, investor competitiveness, and company profit goals.
Work closely with the Capital Markets and Secondary teams to execute pricing strategies that support revenue and growth objectives.
Review and process pricing concession requests, balancing competitiveness with profitability and policy guidelines.
Collaborate with Sales, Operations, and Product Development teams to align pricing strategies with market demands and operational capabilities.
Track pricing trends and competitor behavior to provide insights and recommendations for strategic adjustments.
Maintain and update margin management tools and systems; ensure pricing systems are functioning accurately.
Ensure pricing and margin decisions are compliant with internal policies and external regulatory guidelines.
Participate in investor calls and pricing discussions to gather insights and improve rate positioning.
Identify opportunities to streamline pricing workflows and improve pricing accuracy and delivery speed.
Provide training and support to Sales and Operations on pricing-related tools, strategies, and updates.
Maintain documentation related to margin policies, pricing procedures, and concession tracking.

Requirements

Minimum of three (3) years of experience in Capital Markets, Secondary Marketing, or Pricing within the mortgage industry.
Strong understanding of non-QM mortgage products and investor guidelines.
Proficiency in reading and interpreting investor rate sheets and pricing matrices.
Prior experience with pricing engines such as Optimal Blue, MCT, or similar platforms preferred.
High attention to detail with excellent analytical and quantitative skills.
Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
Strong Excel skills, including working knowledge of complex formulas, lookups, and data analysis.
Excellent written and verbal communication skills.
Proven problem-solving skills with the ability to make sound business decisions under pressure.
Knowledge of compliance and regulatory requirements related to mortgage pricing and disclosures.
Bachelor’s degree in Finance, Business, Economics, or related field preferred.

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