Finance Business Analyst

Finance Business Analyst

Founded in 1998 and headquartered in Farmington Hills, MI, Kyyba has a global presence delivering high-quality resources and top-notch recruiting services, enabling businesses to effectively respond to organizational changes and technological advances. At Kyyba, the overall well-being of our employees and their families is important to us. We are proud of our work culture which embodies our core values; incorporating value, passion, excellence, empowerment, and happiness, creates a vibrant and productive atmosphere. We empower our employees with the resources, incentives, and flexibility that they need to support a healthy, balanced, and fulfilling career by providing many valuable benefits and a balanced compensation structure combined with career development.

Job Summary

We are seeking a highly experienced credit analyst to join our team, specializing in the mortgage sector. The successful candidate will have a deep understanding of the mortgage industry, including mortgage originators, servicers, and specialty finance companies. The role will involve analyzing the creditworthiness of these entities, identifying potential risks, and providing recommendations to support informed credit decisions.

Key Responsibilities

• Lead end-to-end credit underwriting for agency-mortgage originators, servicers and specialty-finance firms and identify potential risks
• Reduce the existing onboarding backlog and establish a repeatable, high-quality workflow for new mortgage-sector clients
• Serve as technical subject-matter expert on agency residential and commercial MBS, TBA, CMO and DUS products for the Institutional Credit Analyst Team, Sales and Trading teams
• Produce concise white-papers, risk-Client briefs and onboarding guides that become permanent knowledge assets for the wider Risk and ICAT organization
• Develop and maintain a comprehensive understanding of the mortgage sector, including market trends, regulatory developments, and industry best practices.
• Prepare high-quality credit proposals, including recommendations on credit ratings, limits, and risk strategies, to support credit decisions.
• Collaborate with internal stakeholders, including coverage bankers, business lines, and risk teams, to provide credit expertise and support.
• Stay up-to-date with industry developments, regulatory changes, and market trends, and apply this knowledge to credit analysis and decision-making.
• Participate in credit committees, due diligence meetings, and other forums to provide credit expertise and support.

Requirements

• Minimum 6 years of experience in credit analysis, with a focus on the mortgage sector, including mortgage originators, servicers, and specialty finance companies.
• In-depth knowledge of the mortgage industry, including market trends, regulatory developments, and industry best practices.
• Strong analytical and problem-solving skills, with the ability to analyze complex financial data and identify potential risks.
• Excellent communication and interpersonal skills, with the ability to effectively collaborate with internal stakeholders and communicate credit recommendations to senior management.
• Strong understanding of credit risk management principles and practices, including credit rating models, risk assessment methodologies, and credit portfolio management techniques.

Nice to Have

• Experience with Agency Mortgage-Backed Securities (MBS) and Commercial Mortgage-Backed Securities (CMBS) markets.
• Knowledge of mortgage-related products, such as Delegated Underwriting and Servicing (DUS) bonds.
• Familiarity with regulatory requirements and industry standards, such as those related to credit risk management and mortgage lending.

Location

New York City, NY

Disclaimer

Kyyba is an Equal Opportunity Employer. Kyyba does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. Minorities / Females / Protected Veterans / Individuals with Disabilities are encouraged to apply. All employment is decided on the basis of qualifications, merit, and business need.

It is the policy of Kyyba to provide reasonable accommodation when requested by a qualified applicant or employee with a disability, unless such accommodation would cause an undue hardship. The policy regarding requests for reasonable accommodation applies to all aspects of employment, including the application process. If reasonable accommodation is needed, please contact Kyyba at View phone number on click.appcast.io

Rewards

Medical, dental, vision 401k Term life Voluntary life and disability insurance Optional Pre-paid legal plan Optional Identity theft plan Optional Medical and dependent FSA Work-visa sponsorship Opportunity for advancement Long-term assignment with opportunity for hire by client

Select Awards

• An INC 5000 company for 10 years
• Corp! Michigan Economic Bright Spots
• Crain's Detroit Business Top Staffing Service Companies in Detroit
• TechServe Alliance Excellence Award- IT and Engineering Staffing & Solutions
• Best of MichBusiness winner in HR Wizards & Partnerships
• Metro Detroit Elite Category: Recruitment, Selection & Orientation for 101 Best & Brightest
• 101 Best & Brightest Companies to Work for in Michigan