Mortgage Finance and Capital Market Strategist

About the role:

*This is a hybrid position with the requirement of 3 full days in our San Francisco, CA office. *

We are seeking a highly skilled and analytical Mortgage Finance and Capital Market Strategist to join our dynamic team. In this role, you will play a pivotal part in shaping our mortgage origination strategy through expertise in financial modeling, risk assessment, and market trends. Working closely with departments such as sales, underwriting, and operations, you will drive optimization in lending processes and help maximize profitability.

Responsibilities:

Financial Modeling and Analysis:

• Develop and maintain advanced financial models to assess the impact of market factors, interest rate changes, and regulatory shifts on our mortgage portfolio.
• Conduct comprehensive analysis of historical data to identify trends and inform data-driven decisions.
• Prepare detailed financial reports and presentations for senior management and investors.
• Support decision-making by providing insights through scenario analysis and predictive modeling.

Capital Market Strategy and Risk Management:

• Manage securitization processes, working closely with banks and financial institutions.
• Monitor capital markets to identify opportunities for mortgage-backed securities (MBS) issuance or other financing structures.
• Build and maintain strong relationships with capital market participants, including investors, underwriters, and rating agencies.
• Assess and mitigate credit, interest rate, and operational risks tied to mortgage origination activities.
• Monitor market trends and regulatory shifts to maintain compliance and minimize potential losses.
• Design and implement risk management strategies that protect the company’s financial health.

Strategic Planning:

• Arrange and negotiate financing for warehouse lines to support the company’s lending operations.
• Collaborate with internal teams and external banking partners to ensure financing aligns with business goals.
• Evaluate and optimize warehouse line structures to improve capital efficiency.
• Partner with cross-functional teams to develop and execute strategies that align with overall business objectives.
• Identify growth opportunities and areas for innovation within the mortgage market.
• Conduct market research and competitive analysis to remain at the forefront of industry trends.

Regulatory Compliance:

• Stay updated on regulatory changes, ensuring mortgage origination practices comply with all relevant laws.
• Work with legal and compliance teams to address regulatory challenges and reduce compliance risks.

About you:

• 4+ years of experience in Financial Modeling, Capital Market Strategy, Mortgage-Backed Securities, and/or related roles.
• Advanced degree in finance, economics, or a related field.
• Strong analytical and problem-solving abilities.
• Proficiency with financial modeling and data analysis tools (e.g., Excel, SQL, Python).
• In-depth knowledge of the mortgage industry, including underwriting, pricing, and risk management.
• Experience managing securitizations and working with banks or financial institutions.
• Excellent communication and presentation skills.
• Ability to work independently and collaboratively within a team.

We recognize that people come with experience and talent beyond just the technical requirements of a job. If your experience is close to what you see listed here, please still consider applying. Diversity of experience and skills combined with passion is a key to innovation and excellence. Therefore, we encourage people from all backgrounds to apply to our positions. Please let us know if you require accommodations during the interview process.

Why join us?

The Unison team draws on a deep and wide range of talent across several disciplines. Visionaries in investment management, product development, and financial technology are joined by innovative real estate and consumer finance experts creating a unique culture.

Perks of the Unison employee include: competitive salaries, 100% paid medical and dental benefits, generous PTO policy, paid parental leave program, and fantastic downtown SF and Omaha locations, as well as being an integral part of a well-funded market leader with incredible momentum.

About us:

Unison is a San Francisco-based company that is pioneering a smarter, better way to own your home. Until now, the only way to finance a home was by taking on debt. Through the Unison Agreement, we help homeowners access their equity flexibly with no monthly payments or interest. We enhance home affordability, reduce debt, and deliver a less risky way for homeowners, investors, and society to think about their most important asset - the home. For additional information, visit www.unison.com or follow us on Facebook, Instagram, LinkedIn, Twitter and YouTube.

The last few years have been record breaking for Unison. We expanded our offering to 30 states, surpassed the $5B mark in real estate investments and partnered with over 7K customers through our HomeBuyer and HomeOwner programs. This tremendous growth was recognized by the Deloitte Technology Fast500 awards two years in a row as well as being included in the most recent Forbes Fintech50.

Unison provides equal employment opportunity to all individuals regardless of their race, age, creed, color, religion, national origin or ancestry, sex, gender, disability, veteran status, genetic information, sexual orientation, gender identity or expression, pregnancy, or any other characteristic protected by state, federal, or local law.