• Job Description

  Req#: 40803

  Description

  As the Capital Markets Product & Pricing Analyst, you will be responsible for supporting the daily execution and optimization of Correspondent mandatory loan purchase operations. This position partners closely with the Lead Mandatory Buyer and Head of Mortgage Pricing to develop and implement pricing strategies that maximize profitability and volume. The role also supports Correspondent Regional Account Managers in onboarding new clients, assists in price point determination through analysis of revenue forecasts & business performance, assists with rate sheet distribution, and provides additional analytics support to the broader mortgage pricing team.

  Primary responsibilities include

  • Mortgage Loan Purchase Bid Tape Management & Trade Processing
    • Manage and process daily hybrid mandatory bid tapes and purchased loan pipelines.
    • Ensure timely and accurate execution of mortgage whole loan trades and settlements.
    • Monitor pricing competitiveness and execution performance across counterparties.
  • Strategic Collaboration
    • Work directly with the Lead Mandatory Buyer to refine pricing strategies and optimize trade execution.
    • Analyze market trends and investor behavior to proactively identify opportunities and risks arising from competitive, regulatory and other internal and external factors.
    • Participate in pricing and profitability huddles to align with broader Capital Markets goals.
  • Client Onboarding & RAM Support
    • Assist Regional Account Managers in onboarding new clients by providing pricing insights and operational support.
    • Deliver analytical support for client-specific pricing scenarios and investor comparisons.
  • Analytical & Technical Support
    • Prepares analytics and reporting in support of key committee-led business and pricing decisions and executive-level presentations.
    • Assist Capital Markets Analytics team in development and maintenance of reporting dashboards used to track pricing performance and loan sale profitability.
    • Leverage Tableau, Excel, MCT and Polly PPE to visualize trends and support decision-making.
    • Use Python, SQL, and R-Studio to automate data workflows and enhance pricing analytics where appropriate.

  Qualifications, Education, Certifications and/or Other Professional Credentials

  • Required Qualifications
    • 3+ years of experience in mortgage origination capital markets
    • Advanced Excel skillset
    • Advanced SQL skillset
    • Strong data analysis and abstract thinking skills
    • Excellent communication and collaboration skills, especially in cross-functional settings.
    • Ability to thrive in a fast-paced, high-pressure trading environment.
  • Preferred Qualifications
    • Undergraduate coursework with a focus in STEM and/or Finance/Economics
    • Proficiency with MCT (Mortgage Capital Trading) and Encompass loan origination systems.
    • Experience with Tableau, Python, R-Studio

  Hours & Work Schedule

  • Hours per Week: 40
  • Work Schedule: Monday-Friday (this job is located in the Glen Allen, VA or Franklin, TN office)

  Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

  Equal Employment Opportunity

  Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

• About the company

  Most innovative community bank in the US w/ @HeardOnHurd @Vault_405 @MidtownBank @RISE405 #cashmob inventor, Pres/CEO @JillCastilla, ❤️ #okc #edmond #MemberFDIC

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