Secondary Marketing Analyst

📌 Core Information

🔹 Job Title: Secondary Marketing Analyst

🔹 Company: USA Mortgage

🔹 Location: St. Louis, Missouri, United States

🔹 Job Type: On-site

🔹 Category: Financial Services

🔹 Date Posted: April 18, 2025

🔹 Experience Level: 2-5 years

🔹 Remote Status: On-site

🚀 Job Overview

Key aspects of this role include:

• Daily loan pricing and lock request management
• Ensuring adherence to company procedures and pricing policies
• Collaboration with internal teams for process improvement
• Monitoring hedge performance and supporting position management

ASSUMPTION: This role requires strong attention to detail, multitasking skills, and the ability to work in a fast-paced environment.

📋 Key Responsibilities

✅ Process lock requests and lock changes, including pricing scenarios, extensions, renegotiations, and dual compensation structures.

✅ Manage and approve renegotiations to ensure adherence to internal policy and profitability guidelines.

✅ Create and maintain daily pricing scenarios, investor grids, and specialized pricing (e.g., RVPS, Jumbo, TPO borrower-paid).

✅ Monitor and distribute rate sheets and executive-level pricing templates for internal teams.

✅ Perform detailed pipeline scrubbing to ensure pricing accuracy, eligibility, and sale-readiness.

✅ Execute Best Execution analysis to determine optimal sale strategy across multiple investors.

✅ Oversee post-close reship activity and coordinate with operations to ensure investor delivery.

✅ Maintain and operate the Forward Commitment Desk, ensuring efficient use of commitments and delivery strategies.

✅ Perform daily lock reconciliation and trade reconciliation to ensure alignment between pipeline and hedge positions.

✅ Monitor hedge performance, evaluate coverage strategies, and support daily position management.

✅ Collaborate on monthly accounting and gain-on-sale reporting, working closely with Finance and Accounting teams.

✅ Review and resolve Mavent fail reports to ensure salability and compliance with investor guidelines.

✅ Manage system access, onboarding, and login credentials for pricing and secondary systems.

✅ Utilize Encompass for loan designation, exclusion automation, and system-based integration for lock and delivery accuracy.

✅ Support Optimal Blue usage for lock desk operations, pricing input, and investor reference guidelines.

✅ Create, review, and analyze regular and ad hoc reports on lock volume, pull-through, pricing accuracy, and investor performance.

✅ Support TPO channel pricing, including borrower-paid compensation structures and investor-specific adjustments.

✅ Continuously collaborate with internal stakeholders to improve processes and reporting across the secondary workflow.

ASSUMPTION: This role involves a high level of responsibility and requires strong attention to detail, multitasking skills, and the ability to work in a fast-paced environment.

🎯 Required Qualifications

Education: Accounting, Finance, or Economics degree from a four-year college or university preferred, or equivalent combination of education and experience.

Experience: Minimum two (2+) years of related capital markets, secondary marketing, mortgage banking/lending industry experience and/or training.

Required Skills:

• Advanced knowledge of Microsoft Excel, Encompass, Product and Pricing System Database software, and various investor websites
• Clear understanding of current CFPB and RESPA laws and guidelines
• Proficiency with Optimal Blue (or comparable pricing engine) and Encompass; knowledge of Secondary Best-Efforts and Mandatory Secondary Mortgage practices.
• High attention to market changes; solid understanding of lock desk operations, investor pricing models, compliance
• Familiar with Conventional, FHA, and VA mortgage products.
• Strong multitasking capabilities, time management skills, organizational skills, and ability to prioritize workflow effectively
• Ability to work in a fast-paced, high-volume environment managing competing priorities and deadlines.

Preferred Skills:

• Experience with Encompass and Optimal Blue
• Knowledge of additional investor websites and pricing engines

ASSUMPTION: While a degree in Accounting, Finance, or Economics is preferred, equivalent experience in the mortgage banking/lending industry will also be considered.

💰 Compensation & Benefits

Salary Range: $60,000 - $80,000 per year (Based on industry standards for a Secondary Marketing Analyst with 2-5 years of experience in the St. Louis, MO area)

Benefits:

• Health, dental, and vision insurance
• 401(k) plan with company match
• Paid time off (vacation, sick, and holidays)
• Employee assistance program
• Tuition reimbursement
• Company-paid life and disability insurance

Working Hours: Full-time, typically Monday through Friday, 8:30 AM to 5:00 PM, with some flexibility for overtime as needed.

ASSUMPTION: The salary range provided is an estimate based on industry standards for the St. Louis, MO area. Actual compensation may vary based on experience, skills, and other factors.

📌 Applicant Insights

🔍 Company Context

Industry: Financial Services, specifically Mortgage Banking and Lending

Company Size: Medium (501-1,000 employees), offering a structured environment with opportunities for growth and collaboration

Founded: 2001, with a history of steady growth and success in the mortgage industry

Company Description:

• USA Mortgage is a subsidiary of DAS Acquisition Company, LLC, and a leading provider of mortgage, home finance, and real estate services
• Known for its local lending excellence and commitment to superior customer service
• Recognized as a top-choice residential lender in the St. Louis metropolitan area by the St. Louis Business Journal since 2001

Company Specialties:

• Full Service Home Financing Solutions
• Conventional, FHA, VA, Reverse Mortgages, ARMS, 100% Financing Available (USDA-MHDC), No Cost Refinances, Extensive Loan Programs, and First-Time Homebuyer Programs

Company Website: http://www.usamortgage.com

ASSUMPTION: USA Mortgage is a well-established company with a strong reputation in the mortgage industry, offering a stable work environment and opportunities for career growth.

📊 Role Analysis

Career Level: Mid-level, with opportunities for advancement based on performance and company growth

Reporting Structure: This role reports directly to the Secondary Marketing Manager and works closely with various internal teams, including Accounting, Finance, Shipping, Closing, Post-Closing, Disclosures, and Legal/Compliance

Work Arrangement: On-site, with some flexibility for remote work as needed

Growth Opportunities:

• Advancement to Senior Secondary Marketing Analyst or similar roles within the secondary marketing department
• Expansion into other areas of the mortgage banking industry, such as underwriting, loan origination, or operations
• Potential to take on leadership roles as the company continues to grow and expand

ASSUMPTION: This role offers opportunities for career growth and development within the mortgage banking industry, with a focus on secondary marketing and pricing strategies.

🌍 Location & Work Environment

Office Type: Corporate office environment, with a focus on collaboration and teamwork

Office Location(s): 12140 Woodcrest Executive Dr, Suite 150, St. Louis, MO 63141, US

Geographic Context:

• St. Louis, Missouri, United States
• Central time zone (America/Chicago)
• Lat: 38.6359, Lng: -90.2451

Work Schedule: Full-time, typically Monday through Friday, 8:30 AM to 5:00 PM, with some flexibility for overtime as needed

ASSUMPTION: The office environment at USA Mortgage is collaborative and team-oriented, with a focus on open communication and mutual support.

💼 Interview & Application Insights

Typical Process:

• Initial phone or video screen to assess qualifications and cultural fit
• On-site interview with the Secondary Marketing Manager and a member of the HR team
• Final interview with the Senior Secondary Marketing Manager or another relevant stakeholder

Key Assessment Areas:

• Technical skills and knowledge of secondary marketing, pricing strategies, and relevant software
• Problem-solving abilities and attention to detail
• Communication and interpersonal skills, with a focus on collaboration and teamwork
• Adaptability and ability to work in a fast-paced, high-volume environment

Application Tips:

• Highlight relevant experience and skills in your resume, with a focus on secondary marketing, pricing strategies, and relevant software
• Tailor your cover letter to demonstrate your understanding of the role and your fit with the company's culture and values
• Prepare for behavioral interview questions that focus on problem-solving, collaboration, and adaptability

ATS Keywords: Secondary Marketing, Pricing Strategies, Optimal Blue, Encompass, Microsoft Excel, CFPB, RESPA, Lock Desk Operations, Investor Pricing Models, Compliance, Conventional Mortgage Products, FHA Mortgage Products, VA Mortgage Products, Time Management

ASSUMPTION: The application process at USA Mortgage is designed to assess both technical skills and cultural fit, with a focus on collaboration and teamwork.

🛠️ Tools & Technologies

• Microsoft Excel
• Encompass
• Optimal Blue
• Various investor websites
• Product and Pricing System Database software

ASSUMPTION: Familiarity with these tools and technologies is essential for success in this role, as they are used daily to manage lock requests, pricing strategies, and investor relationships.

👔 Cultural Fit Considerations

Company Values:

• Integrity: Acting with honesty and ethical behavior in all aspects of our business
• Excellence: Striving for continuous improvement and delivering outstanding results
• Collaboration: Working together to achieve common goals and support each other's success

Work Style:

• Fast-paced and high-volume environment, with a focus on multitasking and prioritization
• Collaborative and team-oriented, with a focus on open communication and mutual support
• Adaptable and flexible, with a willingness to take on new challenges and responsibilities as needed

Self-Assessment Questions:

• Do you have a strong attention to detail and the ability to work in a fast-paced, high-volume environment?
• Are you comfortable using various software tools and investor websites to manage lock requests and pricing strategies?
• Do you have strong communication and interpersonal skills, with a focus on collaboration and teamwork?

ASSUMPTION: USA Mortgage values a strong work ethic, collaboration, and adaptability, with a focus on delivering outstanding results in a fast-paced, high-volume environment.

⚠️ Potential Challenges

• Managing competing priorities and deadlines in a fast-paced, high-volume environment
• Staying up-to-date with market changes and investor guidelines in a dynamic industry
• Navigating a large organization with multiple internal teams and stakeholders
• Adapting to new tools and technologies as the mortgage banking industry evolves

ASSUMPTION: These challenges are inherent to the mortgage banking industry and can be overcome with strong attention to detail, adaptability, and a commitment to continuous learning and improvement.

📈 Similar Roles Comparison

• Compared to related roles in secondary marketing, this position places a greater emphasis on daily lock request management and pricing strategy
• Industry-specific context: The mortgage banking industry is dynamic and subject to frequent regulatory changes, requiring adaptability and a strong understanding of relevant laws and guidelines
• Career path comparison: This role offers opportunities for advancement within the secondary marketing department and potential expansion into other areas of mortgage banking

ASSUMPTION: This role is unique in its focus on daily lock request management and pricing strategy, with opportunities for career growth and development within the mortgage banking industry.

📝 Sample Projects

• Managing a high volume of lock requests and pricing scenarios for a diverse portfolio of mortgage products
• Collaborating with internal teams to improve processes and reporting across the secondary workflow
• Analyzing investor performance and market trends to inform pricing strategy and risk management

ASSUMPTION: These sample projects illustrate the range of responsibilities and challenges faced by a Secondary Marketing Analyst, with a focus on collaboration, adaptability, and continuous learning.

❓ Key Questions to Ask During Interview

• How does this role fit into the overall secondary marketing strategy and workflow?
• What are the most challenging aspects of this role, and how can I best prepare to succeed in them?
• How does USA Mortgage support the professional development and growth of its employees?
• What are the key priorities for this role in the first 30, 60, and 90 days?
• How does USA Mortgage foster a culture of collaboration and teamwork within its secondary marketing department?

ASSUMPTION: These interview questions are designed to assess the fit between the applicant's skills, experience, and career goals, and the specific requirements and opportunities presented by this role.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through this link
• Tailor your resume to highlight relevant experience and skills, with a focus on secondary marketing, pricing strategies, and relevant software
• Write a cover letter that demonstrates your understanding of the role and your fit with the company's culture and values
• Prepare for behavioral interview questions that focus on problem-solving, collaboration, and adaptability
• Follow up with the hiring manager one week after submitting your application to express your continued interest in the position

⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.