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 – Servicing Channel supports performance analysis, MSR valuation impacts, servicing cost forecasting, portfolio performance trends, loss provisioning, escrow analytics, and financial reporting related to the mortgage servicing portfolio. This role partners Servicing Operations, Capital Markets, Collections/Default, and Investor Reporting. Key Responsibilities
Maintain servicing P&L model covering servicing revenue, ancillary fees, sub-servicing cost structure, advances, late fees, recoveries, and corporate allocation. Support MSR valuation, including assumptions for discount rates, CPR, prepay speeds, delinquency curves, and cost-to-service models. Create portfolio analytics dashboards showing static pool performance, delinquency migration, collection outcomes, modification economics, and foreclosure metrics. Forecast servicing revenue tied to portfolio balance, payoffs, runoff rate, and interest rate market conditions. Develop default expense models, including loss mitigation cost, foreclosure timelines, claim recoveries, and REO performance. Partner with Treasury/Capital Markets to analyze MSR sale impacts, hedging strategies, excess servicing strips, and cash advance requirements. Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor. Provide financial input into operational efficiency projects, offshore strategies, call center staffing loads, and digital customer servicing initiatives. 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 in Finance, Accounting, Statistics, or related field 4–7 years mortgage FP&A or servicing analytics experience required. Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing costs. Experience using servicing systems (e.g., MSP, Sagent, LoanServ) and data/reporting tools (e.g., Snowflake, SQL, Tableau, Power BI). Strong financial modeling experience, including cash flow models and valuation sensitivity. 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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The Senior Financial Analyst – Servicing Channel supports performance analysis, MSR valuation impacts, servicing cost forecasting, portfolio performance trends, loss provisioning, escrow analytics, and financial reporting related to the mortgage servicing portfolio. This role partners Servicing Operations, Capital Markets, Collections/Default, and Investor Reporting. Key Responsibilities
Maintain servicing P&L model covering servicing revenue, ancillary fees, sub-servicing cost structure, advances, late fees, recoveries, and corporate allocation. Support MSR valuation, including assumptions for discount rates, CPR, prepay speeds, delinquency curves, and cost-to-service models. Create portfolio analytics dashboards showing static pool performance, delinquency migration, collection outcomes, modification economics, and foreclosure metrics. Forecast servicing revenue tied to portfolio balance, payoffs, runoff rate, and interest rate market conditions. Develop default expense models, including loss mitigation cost, foreclosure timelines, claim recoveries, and REO performance. Partner with Treasury/Capital Markets to analyze MSR sale impacts, hedging strategies, excess servicing strips, and cash advance requirements. Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor. Provide financial input into operational efficiency projects, offshore strategies, call center staffing loads, and digital customer servicing initiatives. 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 in Finance, Accounting, Statistics, or related field 4–7 years mortgage FP&A or servicing analytics experience required. Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing costs. Experience using servicing systems (e.g., MSP, Sagent, LoanServ) and data/reporting tools (e.g., Snowflake, SQL, Tableau, Power BI). Strong financial modeling experience, including cash flow models and valuation sensitivity. 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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