Financial Planning and Analysis Manager (United States)

About Rate Companies:

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com.

Pay Range: $100,000- $120,000 annually

Position Summary:

We are seeking a highly analytical and business-oriented FP&A Manager to support our organization within a fast-paced mortgage banking environment. This role will partner closely with Production or Corporate leadership, Sales, Operations, Capital Markets, Servicing, and Executive Management to provide financial insights, forecasting, reporting, and strategic decision support related to mortgage originations and operational performance.

The ideal candidate has strong mortgage industry knowledge, financial modeling skills, and the ability to translate operational data into actionable business insights. This individual must be comfortable operating in a dynamic environment where volume, margins, and market conditions change rapidly.

Responsibilities:

• Lead monthly forecasting, annual budgeting, and long-range planning processes for Production, Operational or Corporate functions ensuring alignment with company goals
• Analyze monthly financial results and provide variance explanations against forecast, budget, and prior periods
• Develop and maintain advanced financial models in Excel related to mortgage origination volume, pull-through, gain-on-sale margins, productivity, capacity planning, and profitability
• Perform detailed variance and trend analysis, providing actionable insights to improve profitability and cost efficiency
• Partner cross-functionally with Accounting, Capital Markets, and Operations to ensure financial accuracy and operational alignment
• Support leadership in strategic planning, scenario modeling, executive reporting packages, board materials, management presentations and other various KPI reporting.
• Identify and implement process and automation improvements to enhance forecast accuracy and reporting efficiency
• Contribute to the development of metrics and dashboards to track key performance indicators

Qualifications:

• 5+ years of experience in FP&A, accounting, or related finance role — preferably within the mortgage banking or financial services industry
• Strong accounting foundation with understanding of P&L, balance sheet, and cash flow dynamics
• Expert-level Excel skills including complex modeling, scenario analysis, and data automation
• Experience with financial systems such as LoanVision, Workday Adaptive Planning, Oracle, Tableau, or Power BI preferred
• Proven ability to synthesize large datasets into meaningful insights
• Strong analytical, problem-solving, and communication skills with the ability to present findings to senior leadership
• Familiarity with loan origination, funding, and secondary marketing processes is a plus

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason, as protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Please click this link to learn more about our benefit offerings for Washington State:

Applications are being accepted on an ongoing basis.