Figure Lending - Senior Financial Portfolio Analyst, Servicing
Requirements
• Bachelor’s degree in Finance, Accounting, Statistics, Business, or related field. • Bachelor’s degree • 4–7 years of mortgage FP&A, servicing analytics, or portfolio-analysis experience. • 4–7 years • Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing cost structures. • MSR economics • Experience with servicing systems such as MSP, Sagent, LoanServ, and data analysis tools such as SQL, Snowflake, Tableau, Power BI. • MSP, Sagent, LoanServ • SQL, Snowflake, Tableau, Power BI • Ability to work independently and manage complex workloads with strict deadlines. • Master’s degree (MBA or related). • CPA or similar financial certification (preferred).
Responsibilities
• Servicing P&L Management — Maintain and enhance servicing profit-and-loss models, including revenue streams, ancillary fees, sub-servicing costs, advances, late fees, recoveries, and corporate allocations. • Servicing P&L Management • MSR Valuation Support — Support mortgage servicing rights (MSR) valuation by modeling discount rates, CPR/prepayment speeds, delinquency curves, and cost-to-service assumptions. • MSR Valuation Support • Portfolio Analytics — Build dashboards tracking static pool performance, delinquency migration, modification outcomes, foreclosure metrics, and collection effectiveness. • Portfolio Analytics • Revenue & Cost Forecasting — Forecast servicing revenue based on portfolio balance, runoff, payoffs, and interest-rate conditions; develop models for default expenses, foreclosure timelines, claim recoveries, and REO performance. • Revenue & Cost Forecasting • Risk & Compliance Monitoring — Provide financial performance analysis, risk assessment, and compliance monitoring for servicing portfolios. • Risk & Compliance Monitoring • Escrow & Advance Modeling — Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor. • Escrow & Advance Modeling • Operational & Strategic Support — Contribute financial insights to operational efficiency initiatives. • Operational & Strategic Support • Reporting & Executive Presentations — Prepare monthly business review decks, variance analysis, margin analytics, and operational KPIs for senior leadership. • Reporting & Executive Presentations • What We Look For • What We Look For
Benefits
• Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans • Company HSA, FSA, Dependent Care, 401k, and commuter benefits • Employer-funded life and disability insurance coverage • 11 Observed Holidays & PTO plan • Up to 12 weeks paid family leave • Continuing education reimbursement • Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and General Workforce Privacy Notice for further information. By submitting your application, you are agreeing and acknowledging that you have read and understand the above notice. • Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire. • #LI-KB1 #LI-Hybrid
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