Senior Financial Analyst - Correspondent
Acra Lending, Irvine, California, United States, 92713
Virtual
Job Description
Posted Tuesday, January 27, 2026 at 11:00 AM At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company.
We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership. Role Summary The Senior Financial Analyst – Correspondent Channel is responsible for forecasting, performance analytics, pricing impacts, investor execution modeling, and financial reporting for the correspondent acquisition channel. This role partners closely with Secondary, Capital Markets, Finance, and Correspondent Operations to evaluate loan acquisition economics, delivery execution, loan-level purchase margins, and correspondent seller profitability. Key Responsibilities Build and manage detailed channel P&L models, including margin, pull-through, pricing adjustments, and investor delivery impacts. Produce monthly, quarterly, and annual forecasts tied to volume, funding mix (bulk vs. Delegated vs. Non-Delegated), and delivery execution assumptions. Analyze bid/ask pricing, Servicing release premium grids, and impacts of credit/loan attributes on investor economics. Partner with Capital Markets to evaluate best-execution delivery strategies. Provide analytics on correspondent seller trends: volume mix, delinquency trends, repeat business, and profitability. Support product expansion pricing including Non-QM. Build financial cost models integrating underwriting expense, technology fees, QC overhead, fulfillment SLAs, and incentive compensation metrics. Develop reporting for investor profitability, lock-to-purchase cycle time, fallout rates, and loan repurchase reserve requirements. Support performance metrics and dashboards to drive seller segmentation strategy (top-tier vs. opportunistic sellers). Develop monthly Business Review (MBR) reporting and executive decks, including channel P&L performance, actual vs. forecast and budget variance analysis, margin and volume analytics, and key operational metrics tied to efficiency, revenue drivers, and overall channel health. Requirements Bachelor’s degree in Finance, Accounting, Economics, or related field 4–7 years of mortgage finance experience with knowledge of correspondent delivery mechanics preferable. Must understand SRP pricing, bulk bidding, LLPA impacts, and MSR valuation basics. Advanced Excel and strong SQL and/or Tableau/Power BI skills required. Experience working with loan data fields, investor pricing engines, and loan acquisition financials. Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Reasoning Ability Ability to apply common sense understanding to carry out detailed instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Computer Skills Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc). Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards. At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America. Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!
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Posted Tuesday, January 27, 2026 at 11:00 AM At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company.
We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership. Role Summary The Senior Financial Analyst – Correspondent Channel is responsible for forecasting, performance analytics, pricing impacts, investor execution modeling, and financial reporting for the correspondent acquisition channel. This role partners closely with Secondary, Capital Markets, Finance, and Correspondent Operations to evaluate loan acquisition economics, delivery execution, loan-level purchase margins, and correspondent seller profitability. Key Responsibilities Build and manage detailed channel P&L models, including margin, pull-through, pricing adjustments, and investor delivery impacts. Produce monthly, quarterly, and annual forecasts tied to volume, funding mix (bulk vs. Delegated vs. Non-Delegated), and delivery execution assumptions. Analyze bid/ask pricing, Servicing release premium grids, and impacts of credit/loan attributes on investor economics. Partner with Capital Markets to evaluate best-execution delivery strategies. Provide analytics on correspondent seller trends: volume mix, delinquency trends, repeat business, and profitability. Support product expansion pricing including Non-QM. Build financial cost models integrating underwriting expense, technology fees, QC overhead, fulfillment SLAs, and incentive compensation metrics. Develop reporting for investor profitability, lock-to-purchase cycle time, fallout rates, and loan repurchase reserve requirements. Support performance metrics and dashboards to drive seller segmentation strategy (top-tier vs. opportunistic sellers). Develop monthly Business Review (MBR) reporting and executive decks, including channel P&L performance, actual vs. forecast and budget variance analysis, margin and volume analytics, and key operational metrics tied to efficiency, revenue drivers, and overall channel health. Requirements Bachelor’s degree in Finance, Accounting, Economics, or related field 4–7 years of mortgage finance experience with knowledge of correspondent delivery mechanics preferable. Must understand SRP pricing, bulk bidding, LLPA impacts, and MSR valuation basics. Advanced Excel and strong SQL and/or Tableau/Power BI skills required. Experience working with loan data fields, investor pricing engines, and loan acquisition financials. Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Reasoning Ability Ability to apply common sense understanding to carry out detailed instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Computer Skills Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc). Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards. At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America. Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!
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