Senior Financial Analyst

Summary

TruHome Solutions (“THS”) is a rapidly growing, innovative company focused on the origination and servicing of mortgage loans. THS is a wholly-owned subsidiary of CommunityAmerica Credit Union, a $9Bn institution serving more than 600,000 members nationwide, growing to 2,000,000 in the next few years. TruHome plans to expand its business rapidly over the coming years, and continue its historical 25%+ annual growth.

TruHome Solutions provides mortgage fulfillment services for clients, everything from sales and processing, to underwriting, and closing, as well as secondary marketing. It is also expanding its third-party origination business to drive as much as $120Bn in mortgages over the next 2 years. On the servicing side, TruHome services conventional, government, and non-agency mortgages and is a sub-servicer for >150 clients.

As we continue to expand, we are looking for talented professionals who want to do more than maintain the status quo. This is an opportunity to make a meaningful impact, collaborate with experienced industry leaders, help shape and improve business processes, and grow professionally alongside an evolving organization. We combine the energy, innovation, and opportunity of a growing business with the financial strength, competitive benefits, collaborative culture, and commitment to employee development and work-life balance of an established financial services organization.  

Duties & Responsibilities

The Senior Financial Analyst plays a critical role in supporting TruHome Solutions' financial performance, strategic decision-making, and continued growth through advanced financial analysis, modeling, planning, and executive reporting. This highly visible, dynamic position requires an intellectually curious, exceptionally analytical, and adaptable professional who can quickly understand complex business concepts, navigate ambiguity, and translate financial and operational data into meaningful, actionable insights. Responsibilities span financial planning and forecasting, profitability and cost analysis, client pricing and contract negotiations, financial modeling, and executive-level reporting, along with a broad range of strategic initiatives and ad hoc analyses. The ideal candidate is a quick learner and independent thinker who thrives in a fast-paced, evolving environment, proactively identifies issues and opportunities, challenges assumptions, and develops creative, data-driven solutions to complex business problems.

Servicing

• Oversee 3^rd party valuation of MSR asset, including month-over-month valuation attribution, interest rate shocks, and sensitivities to primary variables
• Calculate the Company’s actual metrics to compare against MSR valuation assumptions to test soundness and reasonableness of 3rd party valuation
• Develop and refine cost-of-service models that accurately 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 associated with MSR asset
• Build robust model to value bulk MSR trades, including recapture, cash requirements, return on investment and return on equity
• Support expansion of business into Co-Issue channels, and acquisition of flow MSR purchases
• Review servicing operational practices for cost saving or efficiency opportunities
• Analyze GNMA early pool buyout strategy as interest rates shift, to ensure strategic alignment

Capital Markets/ Secondary Marketing

• Build robust margin analysis calculation and database for each origination channel, that includes build up to or erosion of margin between Time 0 vs Time Current vs Time Final margins
• Calculate hedge effectiveness based on daily mark-to-market of hedge position and pipeline position
• Develop methodology for allocating hedge P&L by product and channel
• Build a daily secondary marketing P&L that explains day-over-day changes in P&L and position
• Create checks to ensure reconciliation of Buy Price and Sale Price in systems
• Support strategic technology and operations projects related to capital markets
• Support strategic whole loan sales on an ad hoc basis
• Evaluate profitability of Company’s many fulfillment clients, to re-price client contracts and improve financial performance
• Develop capacity model to support origination team staffing needs

Corporate

• Support and participate in vendor contract negotiations renewals to reduce Company’s overhead, consolidating vendors/ services where possible
• Develop and deliver executive-level reporting and presentations that are clear and concise
• Perform comprehensive financial analysis on Company’s lines of business, with a focus 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 the financial impact of operational or business decisions.
• Perform complex, often time-sensitive ad hoc analyses in response to evolving business needs, executive inquiries, strategic initiatives, and emerging operational or financial challenges.
• Identify, develop, and implement improvements to financial reporting, analytical tools, data integrity, modeling methodologies, and automated processes to enhance accuracy, efficiency, and scalability.
• Challenge existing assumptions, methodologies, and business practices by applying independent judgment, critical thinking, and creative problem-solving to uncover opportunities for improved financial performance.

Requirements

• Bachelor Degree required
• 5+ Yrs Experience in the Mortgage industry
• 5+ Yrs Experience in Finance, Secondary Marketing, Capital Markets, or other 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 ability to manage processes and guide others to meet necessary deadlines.
• Self-starter and ability 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 financial insights.
• Advanced Microsoft Excel Skills (Please note that pivot tables and lookup functions are not considered advanced Excel skills. Must be able to use/ create complex workbooks using multiple large data sets.)
• Proficient with accounting software, general ledger systems, and financial reporting tools.