Capital Markets Real Estate Analyst- MSR​/Multifamily Valuations

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At Regions, the Capital Markets Real Estate Operations Analyst‑ Middle Office supports the operational functions associated with the bank’s Real Estate Capital Markets business. The business includes originating, underwriting, and servicing loans that are either traded or are securitized by government‑spoanded enterprise (GSE) programs, such as Federal National Mortgage Association (FNMA), Delegated Underwriting and Servicing (DUS) and Housing and Urban Development (HUD).

The operations group supporting this business is responsible for valuing the Mortgage Servicing Rights (“MSR”), whole loan trading portfolios, as well as proving accounting, reconciliation, reporting, collateral management, and escrow administration.

Primary Responsibilities

• Supports the Middle Office function for the Real Estate Capital Markets businesses
• Performs complex reporting, remitting and reconciling activities related to funding and delivery of loans, securitization of mortgage backed securities (MBS) and monthly servicing activities
• Creates reporting from the loan servicing system for data validation and valuation
• Adheres to internal controls and industry/regulatory standards
• Executes individual loan calculations and ensures proper accounting associated with each deal
• Supports review and analysis of settlements statements and report adjustments
• Updates, maintains, and distributes loan pipeline reporting for new loans
• Provides new loan pricing and valuations and ensures proper accounting is assigned
• Ensures loan cash flows are properly set up in valuation systems considering prepayment structures and loan default parameters
• Calculates mark‑to‑market valuation and provides Profit/Loss (PnL) and risk reporting for whole loans and MSRs
• Supports internal audit and external regulatory reporting for the MSR and whole loan trading valuations
• Verifies accuracy of pricing data used for daily valuations, interest rate, and credit hedges
• Ensures position data feeds downstream risk systems which measure market, liquidity, and counter party risk
• Supports testing and updating valuations that impact Real Estate Capital Markets and loan trading
• Develops, documents, and maintains efficient processes that adhere to internal controls and applicable industry/regulatory standards, including requirements of GSEs
• Calculates the new loan amortization schedule and completes Guaranteed Obligation amortization for MSRs that are valued using LOCOM
• Validates the data extracted from the loan servicing system, and ensures that it is incorporated into the MSR valuation process properly
• Inputs and reviews all market rates used in valuations and loan pricing
• Provides advice and guidance to junior analysts as needed

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

This position is incentive eligible.

• Bachelor’s degree in Accounting, Finance, Economics, or a related field
• Eight (8) years of experience working with Real Estate Lending Products
• Significant financial analysis experience
• Experience in database…