Acra Lending · 15 hours ago
Senior Financial Analyst - Correspondent
United States
Full-time
Remote
Mid, Senior Level
4+ years expAcra Lending is a company specializing in alternative income loan products, committed to responsible lending practices and operational efficiency. They are seeking a Senior Financial Analyst to manage financial reporting, performance analytics, and pricing impacts for the correspondent acquisition channel, collaborating with various departments to evaluate loan acquisition economics and profitability.
Commercial LendingConsumer LendingFinancial Services
Responsibilities
Build and manage detailed channel P&L models, including margin, pull-through, pricing adjustments, and investor delivery impacts
Produce monthly, quarterly, and annual forecasts tied to volume, funding mix (bulk vs. Delegated vs. Non-Delegated), and delivery execution assumptions
Analyze bid/ask pricing, Servicing release premium grids, and impacts of credit/loan attributes on investor economics
Partner with Capital Markets to evaluate best-execution delivery strategies
Provide analytics on correspondent seller trends: volume mix, delinquency trends, repeat business, and profitability
Support product expansion pricing including Non-QM
Build financial cost models integrating underwriting expense, technology fees, QC overhead, fulfillment SLAs, and incentive compensation metrics
Develop reporting for investor profitability, lock-to-purchase cycle time, fallout rates, and loan repurchase reserve requirements
Support performance metrics and dashboards to drive seller segmentation strategy (top-tier vs. opportunistic sellers)
Develop monthly Business Review (MBR) reporting and executive decks, including channel P&L performance, actual vs. forecast and budget variance analysis, margin and volume analytics, and key operational metrics tied to efficiency, revenue drivers, and overall channel health
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, or related field
4–7 years of mortgage finance experience with knowledge of correspondent delivery mechanics preferable
Must understand SRP pricing, bulk bidding, LLPA impacts, and MSR valuation basics
Advanced Excel and strong SQL and/or Tableau/Power BI skills required
Experience working with loan data fields, investor pricing engines, and loan acquisition financials
Ability to read and comprehend simple instructions, short correspondence, and memos
Ability to write simple correspondence
Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
Ability to compute rate, ratio, and percent and to draw and interpret bar graphs
Ability to apply common sense understanding to carry out detailed instructions
Ability to deal with problems involving a few concrete variables in standardized situations
Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc)
Benefits
Medical
Dental
Vision
Wellness programs
EAP counseling services
FSA & HSA
Company sponsored life insurance for employee
Voluntary life insurance for employee, spouse and child
AD&D Insurance
Voluntary short-term and long-term disability
Critical illness insurance
Accident insurance
Legal assistance
Pet insurance
Living will and trust preparation discounts
Commuter program
Annual walking challenge
Employee appreciation events
Monthly sales awards
Competitive salary
Exceptional 401k match program
Company
Acra Lending
Acra Lending specializes in lending services and adjustable-rate mortgages as well as alternative income products.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
unknownKey Investors
Africa Carbon Removal Accelerator
2025-04-15Non Equity Assistance
Leadership Team
K
Kyle Gunderlock
President / Chief Risk Officer
Recent News
HousingWire.com
2025-12-24
HousingWire.com
2025-08-13
2025-07-15
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