The Opportunity:Visio Lending is seeking a
Pricing & Margin Management Analyst to play a key role in optimizing pricing, profitability, and growth across our DSCR and non-QM lending business. This is a highly analytical role that sits at the intersection of pricing, capital markets, sales, and finance.
You will analyze market conditions, loan-level data, pricing performance, and competitive intelligence to help determine where we are appropriately priced and where opportunities exist to improve volume and margin. You will make data-driven pricing recommendations, identify margin leakage, build reporting and financial models, and present insights to senior leadership.
This is an opportunity for a highly analytical finance professional who understands mortgage pricing and enjoys turning complex data into actionable business recommendations.
What You'll Do- Pricing & Market Analysis
- Monitor market factors that influence pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry
- Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state
- Recommend base rate and price-adjuster changes and quantify the expected margin impact
- Identify pricing opportunities where products may be priced above or below market
- Margin Management
- Maintain and analyze the company's margin waterfall from rate sheet pricing through realized execution
- Compare target and realized margins across products, channels, brokers, and account executives
- Identify sources of margin leakage and recommend pricing, policy, or process improvements
- Model the potential margin and volume impact of proposed pricing strategies
- Pricing Analytics & Reporting
- Build and maintain pricing and margin dashboards for leadership using tools such as Power BI, Tableau, or Excel
- Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel
- Conduct structured pricing analyses and tests to evaluate volume and margin response
- Analyze and report on broker and channel economics, including points, compensation, and volume mix
- Broker Pricing & Competitive Intelligence
- Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance
- Analyze broker performance using metrics such as pull-through, volume, cycle times, file quality, and loan performance
- Monitor competitor DSCR and non-QM pricing and product offerings
- Benchmark Visio's competitive position and use win/loss data and broker feedback to explain changes in volume
- Pricing Governance
- Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact
- Document pricing methodology and the rationale behind rate sheet changes
- Support fair lending monitoring of discretionary pricing
- Partner with the pricing engine administrator to specify and validate rate sheet changes before release
- FP&A Support
- Build and maintain financial models supporting budgets, forecasts, and scenario planning that connect pricing and volume assumptions to company financial performance
- Support monthly close, budgeting, and forecasting through variance analysis
- Analyze loan-level and financial data for ad hoc requests from Finance and executive leadership
- Contribute to management reporting, board materials, and investor and warehouse lender reporting
- Take on other FP&A projects and analysis as asigned based on business needs
- Available Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT
- Salary Range: $97,000 - $125,000 (Exempt level position)
What we are looking for- 3-5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor
- Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate sheet pricing
- Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall
- Advanced Excel skills, including the ability to build financial and analytical models
- Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data
- Strong analytical and problem-solving skills with the ability to translate complex analysis into actionable recommendations
- Excellent communication skills and the ability to present pricing recommendations and analytical findings to executive and sales leadership
What weprefer to find- Experience with LoanPASS, Polly, Optimal Blue, or similar pricing technology
- Experience developing dashboards in Power BI or Tableau
- Experience using Python or R for data analysis
- Exposure to whole-loan trading or non-QM securitization
- Bachelor's degree in Finance, Economics, Mathematics, or a related field
