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 pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry
- Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state
- Recommend base rate and price-adjuster changes and quantify the expected margin impact
- Identify pricing opportunities where products may be priced above or below market
- Margin Management
- Maintain and analyze the company's margin waterfall from rate sheet pricing through realized execution
- Compare target and realized margins across products, channels, brokers, and account executives
- Identify sources of margin leakage and recommend pricing, policy, or process improvements
- Model the potential margin and volume impact of proposed pricing strategies
- Pricing Analytics & Reporting
- Build and maintain pricing and margin dashboards for leadership using tools such as Power BI, Tableau, or Excel
- Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel
- Conduct structured pricing analyses and tests to evaluate volume and margin response
- Analyze and report on broker and channel economics, including points, compensation, and volume mix
- Broker Pricing & Competitive Intelligence
- Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance
- Analyze broker performance using metrics such as pull-through, volume, cycle times, file quality, and loan performance
- Monitor competitor DSCR and non-QM pricing and product offerings
- Benchmark Visio's competitive position and use win/loss data and broker feedback to explain changes in volume
- Pricing Governance
- Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact
- Document pricing methodology and the rationale behind rate sheet changes
- Support fair lending monitoring of discretionary pricing
- Partner with the pricing engine administrator 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
