Analyst, Residential Whole Loan Mortgage

Residential Whole Loan Mortgage Analyst

Company Summary
For 175 years, National Life Group (“NLG”) has aimed to keep their promises to provide families stability in good times and in bad. And throughout that history, they have provided peace of mind to those families as they plan their futures.

As a mission-driven business, the cause of what they do is as important as the products they sell. And their cause is a very simple one, directed at the people who live and work on America’s Main Streets: “To Do good in our communities and with the individual families we serve.”

NLG Capital, the investment management company of NLG, manages approximately $40 billion in AUM. Our purpose is simple – to allow NLG to keep its promises. How we do this – an obsessive focus on delivering investment results. We drive results through a rigorous but collaborative investment process, and we hold ourselves to the highest of standards, both as investors and teammates. While our process is based on rigor, our culture is based on our guiding principles: Meritocracy, Uncompromising Transparency, Intellectual Honesty, Performance Driven Learning, Relentless Pursuit of Excellence. These principles serve as the foundation of our team.  They govern the way we conduct ourselves, how we interact with teammates and how we approach every investment decision.  We act with the integrity and humility required to make the investment decision that is right for the firm, and ultimately our policyholders.  Our culture has been deliberately built to foster curiosity and provide opportunities to learn and grow, both as people and investors. The flat and collaborative nature of our team promotes an atmosphere where the best ideas are continually expressed and rewarded. Our pursuit of excellence is unwavering.

Role Summary
The Residential Whole Loan Analyst will be a key contributor to the execution of our residential mortgage investment strategy spanning over $1.5 billion in whole loan residential mortgages.  In this role, the Analyst will support market analysis, loan stratification and data-driven pricing, underwriting support, and portfolio monitoring and reporting. The role requires strong technical skills to enhance data processing, automation, and analytics within the investment process. The ideal candidate should be eager to learn, adaptable to evolving capital markets, and comfortable integrating technology into financial analysis. Additionally, this role will also support ongoing business development efforts, including analyzing new origination channels and conducting due diligence. The Analyst will cross train and develop other members of the team, ensuring proper depth of talent and resources within the capital markets function.

The Analyst should have experience in structured products or financial data analytics, with an emphasis on coding and automation. Exposure to residential mortgage and/or RMBS structured finance markets is helpful but not required. The ideal candidate will be an effective communicator and presenter, analytical, detail oriented, ethical, collegial, and an individual with strong problem-solving abilities with the desire to work at the intersection of finance and technology.

Essential Duties and Responsibilities

• Build, develop, and enhance analytical systems supporting the Residential Mortgage Investment team
• Support the residential mortgage team on transactions and asset management of the residential mortgage investment portfolio
• Develop and automate data pipelines for market analysis, asset valuation, and performance monitoring
• Support research identifying potential trade opportunities, and communicate ideas across the team
• Keep portfolio managers updated on key developments in mortgage related sectors, and contribute to the team’s strategic outlook in both whole loan and securitized markets
• Maintain and enhance internal models and databases for portfolio analytics and reporting
• Support the automation of portfolio reporting and analytics, integrating visualization tools
• Collaborate with trade support, accounting, and technology teams to streamline data processes
• Compile and manage the residential mortgage monthly reporting (portfolio analysis, trade activity, performance attribution, asset exposure)

Minimum Qualifications

• Undergraduate degree (preferably in Finance, Financial engineering, Economics, Math, Computer Science or related field of study)
• 2 years of experience in structured finance or financial data analytics
• Strong academic and applied experience in Python, SQL, and other programming languages for data analysis and automation
• Strong quantitative skills with experience in Excel modeling and data visualization tools (Tableau, Power BI, etc.)
• Exposure to mortgage markets or other structured products is a plus
• Strong problem-solving mindset with the ability to automate processes and improve efficiencies
• Detail-oriented, with the ability to connect to form meaningful working partnerships
• Experience driving projects to completion
• Ability and desire to work in a dynamic and demanding environment
• Strong communication and collaboration skills

Preferred Qualifications

• Experience with institutional code development best practices a strong plus
• Knowledge of mortgage modeling systems (Intex, Yieldbook, S&P Levels) a plus

Benefits

• Your benefits start day one and are flexible and customizable to your and your family’s specific needs.  Check out the BENEFITS of a Career at National Life!
• The base salary range for this role is between $90,000-$125,000 annually. We are open to varying levels of experience.

In addition to base salary, other rewards may include an annual bonus, quarterly bonuses, commissions, and other long-term incentive compensation, depending on the position.  National Life offers a competitive total rewards package which includes: a 401(k) retirement plan match; medical, dental, and vision insurance; a company funded wellness account for director and below employees; 10 paid holidays; a generous paid time off plan (22 days of combined time-off for non-exempt employees and exempt employees have discretion in managing their time, including scheduling time off in the normal course of business, but in no event will exempt employees receive less sick time than required by state or local law); 6 weeks of paid parental leave; and 6 weeks of paid family leave after a year of full-time employment

National Life is accepting applications for this role on an ongoing basis and the role remains open until filled.   

National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT – founded in 1848, Life Insurance Company of the Southwest, Addison, TX – chartered in 1955, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company. All other entities are independent of the companies of National Life Group.

National Life Group

1 National Life Dr

Montpelier, VT 05604

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Salary : $90,000 - $125,000