Senior Financial Portfolio Analyst – Servicing

Provide advanced financial analysis, portfolio performance monitoring, servicing cost modeling, compliance oversight, and forecasting for a servicing portfolio. Support cross-functional teams including Servicing Operations, Capital Markets, Collections/Default, Investor Reporting, and Asset Management.

Responsibilities

• Maintain and enhance servicing profit-and-loss models covering revenue streams, ancillary fees, sub-servicing costs, advances, late fees, recoveries, and corporate allocations.
• Support mortgage servicing rights valuation by modeling discount rates, prepayment speeds, delinquency curves, and cost-to-service assumptions.
• Build dashboards tracking static pool performance, delinquency migration, modification outcomes, foreclosure metrics, and collection effectiveness.
• 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.
• Provide financial performance analysis, risk assessment, and compliance monitoring for servicing portfolios.
• Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor.
• Contribute financial insights to operational efficiency initiatives.
• Prepare monthly business review decks, variance analyses, margin analytics, and operational KPIs for senior leadership.

Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or a related field.
• 4–7 years of mortgage FP&A, servicing analytics, or portfolio-analysis experience.
• Strong understanding of mortgage servicing rights economics, delinquency modeling, advance mechanics, and servicing cost structures.
• Experience with MSP, Sagent, or LoanServ servicing systems.
• Experience with SQL, Snowflake, Tableau, or Power BI.
• Ability to work independently and manage complex workloads with strict deadlines.
• Adherence to company security policies and data handling procedures.
• Completion of mandatory security awareness training.
• Prompt reporting of suspected security incidents or suspicious activity.
• Master’s degree or MBA preferred.
• CPA or similar financial certification preferred.
• Must be eligible to work in the United States; Figure will not sponsor work visas.

Benefits

• Comprehensive medical, dental, and vision coverage
• 100% employer-paid premiums for employees and dependents on select plans
• Health Savings Account (HSA)
• Flexible Spending Account (FSA)
• Dependent Care FSA
• 401(k)
• Commuter benefits
• Employer-paid life insurance
• Employer-paid disability insurance
• 11 observed holidays
• Paid time off plan
• Up to 12 weeks of paid family leave
• Continuing education reimbursement