Residential Mortgage Loan Analyst Position

3 weeks ago

Newport Beach, California, United States Pacific Life Full time
Residential Mortgage Loan Analyst Job Description

Pacific Life is seeking a skilled Residential Mortgage Loan Analyst to join our Residential Whole Loan Investment Team in Newport Beach, CA. This role is hybrid, allowing for a balance of work in and out of the office.

Key Responsibilities:
  • Develop and support quantitative, statistical, and analytical risk strategies for managing external 3rd party investment mandates.
  • Perform and implement residential whole loan credit evaluation, underwriting processes, diligence, risk analysis/pricing, and portfolio management reporting.
  • Integrate and evaluate loan level data from 3rd party managers into internal portfolio processes/tools/systems (Excel, RiskSpan, Bloomberg, Intex).
  • Supplement manager provided investment reports with market research/data, RMBS/Mortgage loan pricing, economic, and consumer data to produce investment packages for senior management review.
  • Build and operate internal residential whole loan platform (loan stratification, loss modeling, loan/investment performance) to provide detailed portfolio risk exposures, manager/loan strategy aggregation, and overall portfolio performance/surveillance.
Requirements:
  • 2-5 years of experience working as part of a residential real estate investment management group, preferably with direct experience managing residential mortgage loans (Non-QM loans, Investor Loans, DSCR loans, Residential Transition Loans (Fix-N-Flip), GNMA - Early Buy Out (EBO) loan servicing).
  • Experience evaluating market risk issues; loan collateral terms, residential loan investment strategies. Having knowledge of consumer economic risk factors that affect loan pricing and performance.
  • Residential mortgage production, origination, and capital market sales.
  • Experience with loan pricing and rate sheets, underwriting guidelines, 3rd party loan sales.
  • Experience in investment bank/broker - RMBS trading, securities sales/management.
  • Advanced use of Excel and other related financial analysis tools (Bloomberg, Intex, RiskSpan).
What We Offer:
  • Bachelor's Degree, with emphasis in Economics/Finance.
  • Strong experience working with data sets, presentations, and reporting (Excel, PowerPoint, External Data providers).

Pacific Life is committed to a diverse, equitable, and inclusive workforce. Learn more about how we create a welcoming work environment through Diversity, Equity, and Inclusion at What's life like at Pacific Life? Visit

#LI-AJ1 #LI-hybrid

Base Pay Range: The base pay range noted represents the company's good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications, and geographic location. Also, most employees are eligible for additional incentive pay. $118,145,200.00

Your Benefits Start Day 1 Your wellbeing is important to Pacific Life, and we're committed to providing you with flexible benefits that you can tailor to meet your needs. Whether you are focusing on your physical, financial, emotional, or social wellbeing, we've got you covered.

  • Prioritization of your health and well-being including Medical, Dental, Vision, and Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents.
  • Generous paid time off options including: Paid Time Off, Holiday Schedules, and Financial Planning Time Off.
  • Paid Parental Leave as well as an Adoption Assistance Program.
  • Competitive 401k savings plan with company match and an additional contribution regardless of participation.

Pacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company. Pacific Life

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