USA Mortgage

Role Description The Secondary Marketing Analyst supports the Capital Markets team by overseeing the pricing, locking, hedging, and sale of mortgage loans into the secondary market. This role requires strong analytical skills, sharp attention to detail, and a deep understanding of mortgage-backed securities (MBS), loan pricing, investor guidelines, market execution, and lock desk operations. Lock desk capabilities are a given for this position and will be required to support timely, accurate execution. The Analyst plays a key role in maximizing profitability, managing pipeline risk, and ensuring accurate and compliant loan sales. Major Areas of Responsibilities - Secondary marketing operations and lock desk. - Hedge and pipeline risk management. - Pricing strategies and best execution. - Loan sale and investor delivery coordination. - Compliance and post-close audit support. - Cross-functional reporting and data analysis. Primary Objectives - Ensure timely and accurate pricing and locking of loans. - Maximize profitability through best execution strategies. - Maintain accurate and balanced hedge positions and trade reconciliations. - Support compliance with investor guidelines and internal policies. - Streamline reporting, onboarding, and technology integration within secondary tools. Specific Responsibilities - Process lock requests and lock changes, including pricing scenarios, extensions, renegotiations, and dual compensation structures. - Manage and approve renegotiations to ensure adherence to internal policy and profitability guidelines. - Maintain relationships with Branch Managers for exceptions and updated procedure approvals. - Triage and route Freshservice tickets to Lock Desk Analysts as needed. - Create and maintain daily pricing scenarios, investor grids, and specialized pricing (e.g., RVPS, Jumbo, TPO borrower-paid). - Monitor and distribute rate sheets and executive-level pricing templates for internal teams. - Perform detailed pipeline scrubbing to ensure pricing accuracy, eligibility, and sale-readiness. - Execute Best Execution analysis to determine optimal sale strategy across multiple investors. - Oversee post-close reship activity and coordinate with operations to ensure investor delivery. - Maintain and operate the Forward Commitment Desk, ensuring efficient use of commitments and delivery strategies. - Manage mandatory loan trades for profitability and eligibility in accordance with investor guidelines. - Perform daily lock reconciliation and trade reconciliation to ensure alignment between pipeline and hedge positions. - Manage the loans placed into the hedge to ensure the company is not taking on excessive interest rate risk. - Monitor hedge performance, evaluate coverage strategies, and support daily position management. - Collaborate on monthly accounting and gain-on-sale reporting, working closely with Jason’s team and finance. - Review and resolve Mavent fail reports to ensure salability and compliance with investor guidelines. - Manage system access, onboarding, and login credentials for pricing and secondary systems. - Utilize Encompass for loan designation, exclusion automation, and system-based integration for lock and delivery accuracy. - Support Optimal Blue usage for lock desk operations, pricing input, and investor guideline reference. - Create, review, and analyze regular and ad hoc reports on lock volume, pull-through, pricing accuracy, and investor performance. - Support TPO channel pricing, including borrower-paid compensation structures and investor-specific adjustments. - Continuously collaborate with internal stakeholders, including Jason’s team, to improve processes and reporting across the secondary workflow. Qualifications - Understanding of mortgage secondary markets, investor guidelines, and loan sale processes. - Experience with pricing engines such as Optimal Blue. - Familiarity with Encompass LOS and integration for lock and delivery functions. - Knowledge of pipeline hedging, best execution strategies, and investor delivery methods. - Advanced Excel and data analysis capabilities. - Excellent written and verbal communication. - High attention to detail and organizational precision. - Strong problem-solving and critical thinking skills. - Effectively manage competing priorities and deadlines. - Collaborate with cross-functional teams in a fast-paced environment. - Maintain data integrity across multiple systems and reports. - Implement and refine operational processes for greater efficiency. - Mortgage origination workflows, from pricing through post-close. - Agency and non-agency loan program structures. - Investor pricing models and rate sheet structures. - Regulatory considerations impacting loan eligibility and pricing (e.g., Mavent, QM/ATR). - Analytical Thinking. - Attention to Detail. - Time Management. - Teamwork and Collaboration. - Adaptability and Flexibility. - Initiative and Accountability. Education & Experience - Bachelor’s degree in Finance, Economics, Business, or a related field. - 2+ years of experience in mortgage banking, capital markets, or secondary marketing. - Lock desk lead or management experience. - Experience with hedge coverage analysis, trade reconciliation, and pipeline management. - Experience with Dynamic pricing strategies and competitive analysis. - Comfort working with both high-level strategy and detailed operational tasks in secondary marketing. Work Environment - Office environment; Daily computer usage requires close vision. - Regular attendance is required. - Fast paced, high volume activities. - High attention to market change, organization and communication is a must.

Description Who We Are At DAS Acquisition Company, LLC. (USA Mortgage), our mission is the unrelenting pursuit of perfection. We pride ourselves on the superior level of service that our status as a mortgage lender enables us to provide. Since 2001, we have been recognized as a top-choice residential lender in the St. Louis metropolitan area by the St. Louis Business Journal. Our ongoing success is driven by our strategy to deliver our clients a level of service unrivaled in the mortgage industry. We recognize that people are our competitive advantage, which is why we put so much emphasis ensuring that DAS Acquisition Company, LLC. is a great place to work! What You'll Do Our Mortgage Loan Processors play a critical role in the loan approval process. These individuals exhibit a keen eye for detail and superior organization skills, utilizing these skills to assist our clients in getting the home they want. Many of these individuals are considered leaders in our field, and we rely on their talent to keep us on the cutting-edge of industry trends. Our service-oriented attitude coupled with our unique and energetic atmosphere makes the home financing process what it should be - an exciting and rewarding experience! Responsibilities - Provide every client the best service in the industry. - Ensure accurate and timely packaging of all loans originated by the Mortgage Loan Originator - Organize, compile, and verify loan application information. - Submit mortgage loan application files for underwriting approval. - Meet critical deadlines. Requirements - Robust experience with Conventional, FHA, VA, USDA and Bond mortgage products - Ability to work in a fast-paced, challenging sales environment - Encompass experience or equivalent + Microsoft product experience - 2 to 4-year college curriculum preferred, or equivalent industry experience - Positive attitude, excellent attention to detail, and a strong work ethic

• Responsible for the accurate, compliant, and timely processing and underwriting of residential mortgage loans from application through final approval and closing. • Ensure loan files meet all company, investor, state, and federal guidelines by verifying documentation, analyzing risk, determining conditions, and issuing approval or denial decisions. • Work collaboratively with internal partners to ensure quality loans, strong customer service, and adherence to productivity and quality control standards. • Organize, compile, verify, and analyze mortgage loan files. • Underwrite and evaluate residential mortgage loans. • Determine loan eligibility, conditions, approvals, or denials in compliance with guidelines. • Communicate decisions clearly and meet departmental productivity and quality standards.

• Provide every client the best service in the industry. • Ensure accurate and timely packaging of all loans originated by the Mortgage Loan Originator • Organize, compile, and verify loan application information. • Submit mortgage loan application files for underwriting approval. • Meet critical deadlines.

• Assist Loan Officer in the administration and processing of mortgage loans. • Conduct preliminary research on the loan to determine mortgage eligibility. • Set signing appointments and provide customer service. • Prepare files for submission to loan processing and update marketing database. • Assist in pre-qualifications and pre-approval orders as instructed by the Loan Officer.

• Provide every client the best service in the industry • Market and solicit residential loan business, ensuring all phases of the loan process are performed in accordance with company and regulatory guidelines • Advise and educate clients on the home-buying or refinancing process and how to better manage their mortgages • Own and build your business within USA Mortgage with the support of our team