Acra Lending · 18 hours ago
Senior Financial Analyst - Servicing
United States
Full-time
Remote
Mid, Senior Level
4+ years expAcra Lending is a company known for its responsible lending practices and innovative mortgage solutions. They are seeking a Senior Financial Analyst to support performance analysis, servicing cost forecasting, and financial reporting related to the mortgage servicing portfolio, while partnering with various operational teams.
Commercial LendingConsumer LendingFinancial Services
Responsibilities
Maintain servicing P&L model covering servicing revenue, ancillary fees, sub-servicing cost structure, advances, late fees, recoveries, and corporate allocation
Support MSR valuation, including assumptions for discount rates, CPR, prepay speeds, delinquency curves, and cost-to-service models
Create portfolio analytics dashboards showing static pool performance, delinquency migration, collection outcomes, modification economics, and foreclosure metrics
Forecast servicing revenue tied to portfolio balance, payoffs, runoff rate, and interest rate market conditions
Develop default expense models, including loss mitigation cost, foreclosure timelines, claim recoveries, and REO performance
Partner with Treasury/Capital Markets to analyze MSR sale impacts, hedging strategies, excess servicing strips, and cash advance requirements
Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor
Provide financial input into operational efficiency projects, offshore strategies, call center staffing loads, and digital customer servicing initiatives
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 in Finance, Accounting, Statistics, or related field
4–7 years mortgage FP&A or servicing analytics experience required
Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing costs
Experience using servicing systems (e.g., MSP, Sagent, LoanServ) and data/reporting tools (e.g., Snowflake, SQL, Tableau, Power BI)
Strong financial modeling experience, including cash flow models and valuation sensitivity
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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