Capital Markets Jr. Analyst

Position Summary

At Kind Lending, our diverse team of Kind Ambassadors drives a new approach to the mortgage experience. We prioritize people over profits and are seeking top mortgage professionals who value opportunity, lasting business partnerships, and embody our KIND mindset. Kind Lending is committed to delivering the best service while providing borrowers a great selection of products to enhance their buying experience. Role Overview

The Jr. Capital Markets Analyst reports to the VP Capital Markets and supports functions related to preparing loans for sale (GNMA MBS and MSR) and post‑sale activities (PA reconciliation). The Analyst will also maintain and develop policies and procedures tied to assigned tasks. Duties & Responsibilities

Collaborate cross‑functionally within Capital Markets to aid in selling and purchasing loans. Provide pricing and transaction support for agency co‑issue transactions, MBS pools, and agency transactions, ensuring LOS is up to date. Reconcile loans sold to identify differences between expected and actual gains. Execute pricing models/tools to conduct best execution analysis, pull‑through analysis, and optimization to maximize profitability; provide ad‑hoc analysis and reporting. Contribute to model and technology improvement across analytic and database tools for risk and operational processes. Develop new processes to improve business functions as needed. Perform other duties as assigned. Qualifications

Minimum of two years in the mortgage industry (Capital Markets or MSR Valuation preferred). Proficient with Excel (VBA is a plus). Proficiency with SQL, Snowflake, and/or Python is a plus. Excellent written, verbal, and interpersonal communication skills and strong presentation skills. Detail oriented and organized. Ability to work well in a fast‑paced environment. Strong ability to prioritize and reprioritize as necessary. Education

Bachelor’s degree or equivalent work experience. Location

This position can be remote. If you reside within a 30‑mile radius of the corporate office (Irvine, CA), it will be a mandatory in‑office Monday‑Friday position. Pay Disclosure

The starting base salary range for this position is $70,000 annually. The actual base depends on work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future. Disclaimer Statement

This job description is not intended, nor should it be construed, to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to positions of this type. Work Authorization

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship. Physical Demands

Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination, including use of a keyboard; and to verbally communicate to exchange information. Vision: see in the normal visual range with or without correction. Hearing: hear in the normal audio range with or without correction. Equal Opportunity Employer

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression. Security Notice

For your security, Kind Lending will only contact you from email addresses ending in

kindlending.com . Emails from any other domain should be treated as suspicious and may be phishing attempts.

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