Pricing & Margin Management Analyst

The posting, as Visio Lending wrote it

Please be advised: Visio Lending does not accept unsolicited resumes or services from third-party recruitment agencies. In the event, that a recruiter or agency submits a resume or candidate without an agreement Visio Lending shall explicitly reserve the right to pursue and hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited resumes, including those submitted to Visio Lending employees, shall be deemed the property of Visio Lending.

About Visio Lending
Visio Lending is the nation’s leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, and vacation rental portfolios. Headquartered in fantastic Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.

Why We Love Working at Visio

We at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you’ll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote work options.

How to Apply?
To be considered for employment, please submit your application online. While we appreciate all the interest we receive, only candidates selected for phone screening, or an interview will be contacted directly. You will receive application status alerts via email so make sure your email address is accurate.

Note: Incomplete applications will not be considered. Unanswered application questions or responses indicating “see resume” will be considered incomplete and you will be removed from consideration.

Visio Financial Services, Inc. is an Equal Opportunity Employer

The Opportunity

Visio Lending is seeking a Pricing & Margin Management Analyst to play a key role in optimizing pricing, profitability, and growth across our DSCR and non-QM lending business. This is a highly analytical role that sits at the intersection of pricing, capital markets, sales, and finance.

You will analyze market conditions, loan-level data, pricing performance, and competitive intelligence to help determine where we are appropriately priced and where opportunities exist to improve volume and margin. You will make data-driven pricing recommendations, identify margin leakage, build reporting and financial models, and present insights to senior leadership.

This is an opportunity for a highly analytical finance professional who understands mortgage pricing and enjoys turning complex data into actionable business recommendations.

What You'll Do

• Pricing & Market Analysis
• Monitor market factors that influence prici

[…]
to specify and validate rate sheet changes before release

• FP&A Support
• Build and maintain financial models supporting budgets, forecasts, and scenario planning that connect pricing and volume assumptions to company financial performance
• Support monthly close, budgeting, and forecasting through variance analysis
• Analyze loan-level and financial data for ad hoc requests from Finance and executive leadership
• Contribute to management reporting, board materials, and investor and warehouse lender reporting
• Take on other FP&A projects and analysis as asigned based on business needs
• Available Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT
• Salary Range: $97,000 - $125,000 (Exempt level position)

What we are looking for

• 3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor
• Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate sheet pricing
• Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall
• Advanced Excel skills, including the ability to build financial and analytical models
• Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data
• Strong analytical and problem-solving skills with the ability to translate complex analysis into actionable recommendations
• Excellent communication skills and the ability to present pricing recommendations and analytical findings to executive and sales leadership

What we prefer to find

• Experience with LoanPASS, Polly, Optimal Blue, or similar pricing technology
• Experience developing dashboards in Power BI or Tableau
• Experience using Python or R for data analysis
• Exposure to whole-loan trading or non-QM securitization
• Bachelor's degree in Finance, Economics, Mathematics, or a related field