Strategic Finance Manager – Home Equity Lending

Finance Manager / Assistant Vice President – Home Equity Strategic Finance & Portfolio Analytics

Position Summary

The Finance Manager / Assistant Vice President serves as the lead finance partner helping develop a new originate-to-sell platform supporting Home Equity growth initiatives, off balance-sheet funding, secondary market execution, and portfolio optimization strategies. This role is responsible for evaluating the financial performance of Home Equity production across both balance sheet and distribution channels, developing transaction and profitability models, supporting capital allocation decisions, and delivering executive insights that influence business strategy.

The position works closely with Home Equity leadership, Capital Markets, Treasury, Risk, and Operations to evaluate product economics, funding strategies, loan sale opportunities, servicing economics, balance sheet impacts, and long-term profitability.

The ideal candidate combines strong financial modeling capabilities, originate-to-sell lending experience, banking and consumer lending knowledge, and the ability to navigate complex cross-functional initiatives. This individual will translate production trends, capital considerations, accounting implications, and market opportunities into actionable recommendations for senior leadership.

Primary Responsibilities

Strategic Finance & Distribution Analytics

• Lead financial analysis supporting Home Equity distribution strategies, loan sales, strategic partnerships, and alternative funding structures.
• Develop segment-level economic models evaluating profitability, capital efficiency, liquidity impacts, and long-term shareholder return.
• Analyze gain-on-sale economics, servicing economics, fee revenue streams, retained interests, and ongoing portfolio profitability.
• Assess tradeoffs between holding assets on balance sheet versus distributing assets through secondary market channels.
• Support business case development for new products, customer segments, pricing strategies, and growth initiatives.
• Partner with Capital Markets to evaluate investor economics, transaction pricing, execution assumptions, and market conditions.

Portfolio & Profitability Analytics

• Evaluate return on capital, economic profit, and balance sheet optimization opportunities.
• Evaluate portfolio production assumptions, funding forecasts, pricing impacts, and balance sheet growth opportunities.
• Provide recommendations regarding changes in volume, pricing, profitability, and portfolio strategy. 

Executive Reporting & Strategic Decision Support

• Produce executive-level reports, scorecards, dashboards, and management presentations.
• Deliver daily, monthly, and strategic reporting related to Home Equity volume, profitability, market share, production performance, and forecast variance.

Data Management & Business Intelligence

• Lead development and maintenance of reporting processes, forecasting tools, financial models, Tableau dashboards, and Essbase-based reporting.
• Ensure data accuracy and consistency across reporting platforms and forecasting systems.
• Create and maintain documented procedures supporting business continuity and process governance

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, Mathematics, or related discipline.
• Progressive experience in financial planning and analysis in Consumer Lending, Home Equity, Mortgage finance or capital markets, or related analytical functions.
• Advanced financial modeling and forecasting expertise.
• Advanced Excel skills and experience with reporting and analytics platforms.
• Experience presenting financial findings to senior leadership.

Preferred Qualifications

• MBA, CFA, CPA, or other advanced financial designation.
• Experience with Essbase, Tableau, Dodeca, SQL-based reporting, and financial planning systems.
• Strong knowledge of Home Equity / Mortgage origination, servicing, secondary marketing, and portfolio economics. 

Hours & Work Schedule

• Hours per Week: 40
• Schedule: Monday through Friday