Mortgage Pricing & Product Strategist
Moon, PA
Salary: $85,000 - $90,000
Position Overview
A well-established financial institution is seeking an experienced leader to oversee mortgage pricing strategy and product development initiatives. This role is responsible for driving profitability, optimizing execution across investor channels, and ensuring pricing accuracy, compliance, and operational efficiency.
The ideal candidate will bring strong secondary market expertise, leadership experience, and a deep understanding of mortgage pricing, risk management, and capital markets operations.
Key Responsibilities
- Develop and execute comprehensive mortgage pricing strategies across investor and portfolio channels to optimize profitability and market competitiveness.
- Analyze market trends, investor pricing, and economic indicators to guide strategic decision-making.
- Oversee daily pricing updates, margin management, and competitive positioning analysis.
- Prepare and present pricing, profitability, and market performance reporting to executive leadership.
- Lead pricing, analytics, lock desk, and mortgage program administration teams.
- Provide oversight to secondary market operations to ensure workflow efficiency and accuracy.
- Align pricing strategies to support fee income objectives and portfolio net interest margin goals.
- Manage monthly pipeline inventory validations and loan-level pricing adjustments.
- Ensure data integrity between loan origination systems and pricing platforms.
- Oversee technology solutions including pricing engines (PPE) and market data tools.
- Serve as backup support for hedging and capital markets functions as needed.
- Manage investor relationships, including annual recertifications and exploration of new loan sale opportunities.
- Expand and maintain strategic investor partnerships to support growth initiatives.
- Lead product development efforts in collaboration with cross-functional stakeholders.
- Implement pricing and risk adjustments within secondary market and loan origination systems.
- Direct training and communication efforts for sales teams regarding lock policies, procedures, and product offerings.
- Maintain alignment with compliance standards and internal risk management programs.
- Oversee administration of bond and affordable lending programs, including Down Payment Assistance and Housing Finance Agency initiatives.
- Partner with community lending teams to support affordable lending strategies.
- Ensure adherence to regulatory requirements and internal compliance policies.
Qualifications
Education:
Bachelor’s Degree required (BA or BS)
Experience:
7–10+ years of related mortgage pricing, secondary market, or capital markets experience
Prior management experience required
Required Expertise:
- Experience with GNMA, Fannie Mae, Freddie Mac, FHA, and VA products
- Strong understanding of loan pricing and interest rate risk principles
- Proficiency with loan origination systems and pricing engines
- Knowledge of mortgage workflow and secondary market operations
Skills:
- Excellent leadership and team management abilities
- Strong analytical and organizational skills
- Advanced problem-solving capabilities
- Effective written and verbal communication skills
- Ability to manage multiple priorities in a fast-paced environment
- Intermediate to advanced proficiency in MS Excel, Word, and PowerPoint
