Associate, Mortgage Analytics
for section headings (About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)
2. Use - for lists of duties/requirements/benefits, and
for prose
3. Do NOT repeat the job title as a heading (the page already shows it)
4. Do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it
5. Preserve ALL substantive information; do NOT invent or summarize away detail
6. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions
7. Include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text
8. Never create Pay/Schedule/Benefits sections unless the posting actually states them
9. Prefer a few substantive sections over many thin ones
10. Output ONLY the HTML fragment — no /, no markdown code fences
Let me analyze the job posting content:
The posting has:
- Company background (National Life Group, NLG Capital)
- Role Summary for "Associate, Mortgage Analytics"
- Work schedule info (onsite 4 days/week, core days Mon-Thu)
- Essential Duties And Responsibilities (list)
- Minimum Qualifications (list)
- AI Proficiency Expectations (general and for AI-forward roles)
- Core Competencies (list)
- Benefits section (mentions benefits start day one, flexible, customizable)
- Base Pay Range section with salary range $93,750 - $137,500 USD
- Additional compensation and benefits details
- Legal disclaimers at the end (should be removed as boilerplate)
I need to structure this into appropriate sections. Let me map:
- About the role / Role Summary → could be "About the role" section
- Essential Duties And Responsibilities → "Responsibilities" section
- Minimum Qualifications → "Requirements" or "Qualifications" section
- AI Proficiency Expectations → could be part of Requirements or separate "Skills" section
- Core Competencies → "Skills" section
- Benefits → "Benefits" section
- Base Pay Range → "Pay" section
- Work schedule info → "Schedule" section
The posting mentions "Please note that we do not offer visa sponsorship for this position." - this is minor metadata, could be a
somewhere.
Also "This position currently offers an onsite work schedule, with the expectation that you will be in the office four (4) days per week during onsite core days. Our current onsite core days are Monday, Tuesday, Wednesday, and Thursday. The work schedule type and core days are subject to change with advance notification and manager discretion." - this is schedule info.
The legal disclaimers at the end (National Life Group® is a trade name..., Fortune 1000 status..., Social Media Policy..., etc.) are boilerplate and should be removed.
Now, I need to decide on section headings. The rules say use
for section headings like "About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule". I should use these standard headings where appropriate.
Let me structure:
1. About the role (from Role Summary and company background)
2. Responsibilities (from Essential Duties And Responsibilities)
3. Requirements (from Minimum Qualifications)
4. Skills (from AI Proficiency Expectations and Core Competencies)
5. Benefits (from Benefits section)
6. Pay (from Base Pay Range)
7. Schedule (from work schedule info)
I should combine AI Proficiency Expectations and Core Competencies into Skills section.
Also, the "Additional Expectations for AI-Forward Roles" - the role might be AI-forward? The posting says "Additional Expectations for AI-Forward Roles Applicants In AI-forward Roles Are Also Expected To..." but doesn't explicitly state this role is AI-forward. However, it's listed under AI Proficiency Expectations. I'll include it in Skills.
Now, I need to write the HTML fragment.
Let me start drafting:
About the role
...company background and role summary...
Responsibilities
- ...
Requirements
- ...
Skills
- ...
Benefits
...benefits info...
Pay
...salary range...
Schedule
...schedule info...
I need to preserve all substantive information. Let me extract the content carefully.
From the posting:
Company background: "Come join one of America’s fastest-growing insurance companies. Since 1848, National Life Group has aimed to keep our promises, providing families with stability in good times and in bad. Throughout that history, we have provided peace of mind to those families as they plan their futures. Our mission extends beyond the insurance and annuities policies that we offer. We strive to make the world a better place through our grants from our charitable foundation, paid volunteer time for our employees, environmentally sustainable and healthy workplaces, and events that promote the work of nonprofits in our own backyard. We foster a collaborative environment with opportunities for growth and encourage our associates to live our values: Do good. Be good. Make good."
About NLG Capital: "NLG Capital, the investment management company of NLG, manages approximately $40+ billion in AUM. Our purpose is simple – to allow NLG to keep its promises. How we do this – an obsessive focus on delivering investment results. We drive results through a rigorous but collaborative investment process, and we hold ourselves to the highest of standards, both as investors and teammates. While our process is based on rigor, our culture is based on our guiding principles: Meritocracy, Uncompromising Transparency, Intellectual Honesty, Performance Driven Learning, Relentless Pursuit of Excellence. These principles serve as the foundation of our team. They govern the way we conduct ourselves, how we interact with teammates and how we approach every investment decision. We act with the integrity and humility required to make the investment decision that is right for the firm, and ultimately our policyholders. Our culture has been deliberately built to foster curiosity and provide opportunities to learn and grow, both as people and investors. The flat and collaborative nature of our team promotes an atmosphere where the best ideas are continually expressed and rewarded. Our pursuit of excellence is unwavering."
Role Summary: "The Associate, Mortgage Analytics is responsible for residential whole loan and RMBS analytics used for trading, portfolio management, asset management, and servicing oversight. This is a hands-on role supporting a rapidly growing $5bn+ AUM residential mortgage platform spanning residential whole loans and RMBS. The Associate works closely with analysts, traders, portfolio managers, and the Investment Committee, who rely on the role’s analytical output to drive the decision process. The successful candidate is fluent in residential mortgage risk, prepayment analytics, loan credit characteristics, and the plumbing of the mortgage market, including how loans are originated, packaged, sold, and serviced. This is a technical role requiring fluency in Python, SQL, and a data platform such as Databricks. This position currently offers an onsite work schedule, with the expectation that you will be in the office four (4) days per week during onsite core days. Our current onsite core days are Monday, Tuesday, Wednesday, and Thursday. The work schedule type and core days are subject to change with advance notification and manager discretion."
Essential Duties And Responsibilities (list):
- Build and maintain the models used to price residential whole loans and RMBS and run their cash flows, updating assumptions as rates and borrower behavior change.
- Crack and clean bid tapes and loan-level data, price pools, and prepare memos for Transaction Committees overseeing whole loan trading activity.
- Evaluate securitization vs. whole loan markets, and quantify both prepayment and credit risk.
- Evaluate portfolio data and develop repeatable institutional analytics tracking portfolio performance.
- Model prepay and default behavior, develop market comparables and benchmarks, and present performance data to portfolio managers and Investment Committee.
- Support servicing oversight by converting raw servicing data into clear takeaways on servicer performance and loan-level exceptions.
- Own the data pipelines and tooling behind the analytics, including Databricks, Python, and SQL, with a focus on continual improvement.
- Reconcile loan data across systems and work with Operations and Transaction Management to resolve.
- Provide ad hoc analysis and support for trading and portfolio management functions.
- All other duties as assigned.
Minimum Qualifications:
- A quantitative degree or equivalent work experience.
- 2–5 years experience in mortgage analytics or a related field.
- A strong understanding of mortgage cash flows, prepayment modeling, and pricing of residential mortgage risk in both whole loan and securitized form.
- Comfortable working with servicing and remittance data.
- Strong Python and SQL skills and experience, plus hands-on work in Databricks or a similar platform.
- A solid grasp of mortgage analytics and prepayment modeling systems (Aladdin, Intex, Bloomberg, etc.).
AI Proficiency Expectations:
- All Applicants Are Expected To:
- Leverage approved AI tools, where appropriate, to improve the efficiency, quality, and impact of their work.
- Stay curious and open to new AI-enabled ways of working.
- Exercise sound judgment by reviewing and validating AI-generated content.
- Maintain accountability for the accuracy, quality, fairness, and integrity of work products by adhering to National Life's AI guiding principles.
- Use AI responsibly and in accordance with company policies related to confidentiality, data privacy, security, compliance, retention, and intellectual property.
- Additional Expectations for AI-Forward Roles:
- Identify practical opportunities to apply AI to improve workflows, productivity, analysis, and business outcomes.
- Create effective prompts, workflows, controls, and human-in-the-loop (HITL) review processes that support responsible AI use.
- Critically evaluate AI-generated outputs for accuracy, quality, bias, fairness, confidentiality, compliance, security, and business relevance.
- Partner appropriately with Legal, Compliance, Risk, Security, Data/Technology, and business stakeholders to move AI ideas from experimentation to responsible adoption.
- Help model responsible, human-centered AI adoption across the organization.
Core Competencies:
- Service Focus - Demonstrates a client centric focus for satisfying one’s external and/or internal customers; establishes and maintains effective relationships with customers and gains their trust and respect.
- Decision Making - Makes sense of complex information, critically evaluates, and creates solutions.
- Results Oriented - Sets performance and personal goals; Driven to meet or exceed goals and objectives.
- Plans and Aligns - Plans and prioritizes work to meet commitments aligned with organizational goals; Aligns people and skills to tasks and assignments; Evaluates results of work.
- Demonstrates Learning Agility - Enhances skills and knowledge through continuous learning; Focuses on personal results by establishing stretch goals; Seeks feedback and changes accordingly.
- Establishes Relationships - Builds partnerships with others to instill trust, collaborate, and meet shared objectives.
- Communicates Effectively - Actively listens, conveys messages to meet different audience needs, and remains open to new ideas and opinions.
- Fosters Diversity - Values diversity and difference in thought, experience, and perspective; Promotes an environment that embraces diversity, equity, and inclusion; Supports equal and fair treatment for all.
Benefits: "Your benefits start day one and are flexible and customizable to your and your family’s specific needs. Check out the BENEFITS of a Career at National Life!"
Base Pay Range: "The base pay range for this position is the range National Life reasonably and in good faith expects to pay for the position
for prose 3. Do NOT repeat the job title as a heading (the page already shows it) 4. Do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it 5. Preserve ALL substantive information; do NOT invent or summarize away detail 6. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions 7. Include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text 8. Never create Pay/Schedule/Benefits sections unless the posting actually states them 9. Prefer a few substantive sections over many thin ones 10. Output ONLY the HTML fragment — no /, no markdown code fences Let me analyze the job posting content: The posting has: - Company background (National Life Group, NLG Capital) - Role Summary for "Associate, Mortgage Analytics" - Work schedule info (onsite 4 days/week, core days Mon-Thu) - Essential Duties And Responsibilities (list) - Minimum Qualifications (list) - AI Proficiency Expectations (general and for AI-forward roles) - Core Competencies (list) - Benefits section (mentions benefits start day one, flexible, customizable) - Base Pay Range section with salary range $93,750 - $137,500 USD - Additional compensation and benefits details - Legal disclaimers at the end (should be removed as boilerplate) I need to structure this into appropriate sections. Let me map: - About the role / Role Summary → could be "About the role" section - Essential Duties And Responsibilities → "Responsibilities" section - Minimum Qualifications → "Requirements" or "Qualifications" section - AI Proficiency Expectations → could be part of Requirements or separate "Skills" section - Core Competencies → "Skills" section - Benefits → "Benefits" section - Base Pay Range → "Pay" section - Work schedule info → "Schedule" section The posting mentions "Please note that we do not offer visa sponsorship for this position." - this is minor metadata, could be a
somewhere. Also "This position currently offers an onsite work schedule, with the expectation that you will be in the office four (4) days per week during onsite core days. Our current onsite core days are Monday, Tuesday, Wednesday, and Thursday. The work schedule type and core days are subject to change with advance notification and manager discretion." - this is schedule info. The legal disclaimers at the end (National Life Group® is a trade name..., Fortune 1000 status..., Social Media Policy..., etc.) are boilerplate and should be removed. Now, I need to decide on section headings. The rules say use
for section headings like "About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule". I should use these standard headings where appropriate.
Let me structure:
1. About the role (from Role Summary and company background)
2. Responsibilities (from Essential Duties And Responsibilities)
3. Requirements (from Minimum Qualifications)
4. Skills (from AI Proficiency Expectations and Core Competencies)
5. Benefits (from Benefits section)
6. Pay (from Base Pay Range)
7. Schedule (from work schedule info)
I should combine AI Proficiency Expectations and Core Competencies into Skills section.
Also, the "Additional Expectations for AI-Forward Roles" - the role might be AI-forward? The posting says "Additional Expectations for AI-Forward Roles Applicants In AI-forward Roles Are Also Expected To..." but doesn't explicitly state this role is AI-forward. However, it's listed under AI Proficiency Expectations. I'll include it in Skills.
Now, I need to write the HTML fragment.
Let me start drafting:
About the role
...company background and role summary...
Responsibilities
- ...
Requirements
- ...
Skills
- ...
Benefits
...benefits info...
Pay
...salary range...
Schedule
...schedule info...
I need to preserve all substantive information. Let me extract the content carefully. From the posting: Company background: "Come join one of America’s fastest-growing insurance companies. Since 1848, National Life Group has aimed to keep our promises, providing families with stability in good times and in bad. Throughout that history, we have provided peace of mind to those families as they plan their futures. Our mission extends beyond the insurance and annuities policies that we offer. We strive to make the world a better place through our grants from our charitable foundation, paid volunteer time for our employees, environmentally sustainable and healthy workplaces, and events that promote the work of nonprofits in our own backyard. We foster a collaborative environment with opportunities for growth and encourage our associates to live our values: Do good. Be good. Make good." About NLG Capital: "NLG Capital, the investment management company of NLG, manages approximately $40+ billion in AUM. Our purpose is simple – to allow NLG to keep its promises. How we do this – an obsessive focus on delivering investment results. We drive results through a rigorous but collaborative investment process, and we hold ourselves to the highest of standards, both as investors and teammates. While our process is based on rigor, our culture is based on our guiding principles: Meritocracy, Uncompromising Transparency, Intellectual Honesty, Performance Driven Learning, Relentless Pursuit of Excellence. These principles serve as the foundation of our team. They govern the way we conduct ourselves, how we interact with teammates and how we approach every investment decision. We act with the integrity and humility required to make the investment decision that is right for the firm, and ultimately our policyholders. Our culture has been deliberately built to foster curiosity and provide opportunities to learn and grow, both as people and investors. The flat and collaborative nature of our team promotes an atmosphere where the best ideas are continually expressed and rewarded. Our pursuit of excellence is unwavering." Role Summary: "The Associate, Mortgage Analytics is responsible for residential whole loan and RMBS analytics used for trading, portfolio management, asset management, and servicing oversight. This is a hands-on role supporting a rapidly growing $5bn+ AUM residential mortgage platform spanning residential whole loans and RMBS. The Associate works closely with analysts, traders, portfolio managers, and the Investment Committee, who rely on the role’s analytical output to drive the decision process. The successful candidate is fluent in residential mortgage risk, prepayment analytics, loan credit characteristics, and the plumbing of the mortgage market, including how loans are originated, packaged, sold, and serviced. This is a technical role requiring fluency in Python, SQL, and a data platform such as Databricks. This position currently offers an onsite work schedule, with the expectation that you will be in the office four (4) days per week during onsite core days. Our current onsite core days are Monday, Tuesday, Wednesday, and Thursday. The work schedule type and core days are subject to change with advance notification and manager discretion." Essential Duties And Responsibilities (list): - Build and maintain the models used to price residential whole loans and RMBS and run their cash flows, updating assumptions as rates and borrower behavior change. - Crack and clean bid tapes and loan-level data, price pools, and prepare memos for Transaction Committees overseeing whole loan trading activity. - Evaluate securitization vs. whole loan markets, and quantify both prepayment and credit risk. - Evaluate portfolio data and develop repeatable institutional analytics tracking portfolio performance. - Model prepay and default behavior, develop market comparables and benchmarks, and present performance data to portfolio managers and Investment Committee. - Support servicing oversight by converting raw servicing data into clear takeaways on servicer performance and loan-level exceptions. - Own the data pipelines and tooling behind the analytics, including Databricks, Python, and SQL, with a focus on continual improvement. - Reconcile loan data across systems and work with Operations and Transaction Management to resolve. - Provide ad hoc analysis and support for trading and portfolio management functions. - All other duties as assigned. Minimum Qualifications: - A quantitative degree or equivalent work experience. - 2–5 years experience in mortgage analytics or a related field. - A strong understanding of mortgage cash flows, prepayment modeling, and pricing of residential mortgage risk in both whole loan and securitized form. - Comfortable working with servicing and remittance data. - Strong Python and SQL skills and experience, plus hands-on work in Databricks or a similar platform. - A solid grasp of mortgage analytics and prepayment modeling systems (Aladdin, Intex, Bloomberg, etc.). AI Proficiency Expectations: - All Applicants Are Expected To: - Leverage approved AI tools, where appropriate, to improve the efficiency, quality, and impact of their work. - Stay curious and open to new AI-enabled ways of working. - Exercise sound judgment by reviewing and validating AI-generated content. - Maintain accountability for the accuracy, quality, fairness, and integrity of work products by adhering to National Life's AI guiding principles. - Use AI responsibly and in accordance with company policies related to confidentiality, data privacy, security, compliance, retention, and intellectual property. - Additional Expectations for AI-Forward Roles: - Identify practical opportunities to apply AI to improve workflows, productivity, analysis, and business outcomes. - Create effective prompts, workflows, controls, and human-in-the-loop (HITL) review processes that support responsible AI use. - Critically evaluate AI-generated outputs for accuracy, quality, bias, fairness, confidentiality, compliance, security, and business relevance. - Partner appropriately with Legal, Compliance, Risk, Security, Data/Technology, and business stakeholders to move AI ideas from experimentation to responsible adoption. - Help model responsible, human-centered AI adoption across the organization. Core Competencies: - Service Focus - Demonstrates a client centric focus for satisfying one’s external and/or internal customers; establishes and maintains effective relationships with customers and gains their trust and respect. - Decision Making - Makes sense of complex information, critically evaluates, and creates solutions. - Results Oriented - Sets performance and personal goals; Driven to meet or exceed goals and objectives. - Plans and Aligns - Plans and prioritizes work to meet commitments aligned with organizational goals; Aligns people and skills to tasks and assignments; Evaluates results of work. - Demonstrates Learning Agility - Enhances skills and knowledge through continuous learning; Focuses on personal results by establishing stretch goals; Seeks feedback and changes accordingly. - Establishes Relationships - Builds partnerships with others to instill trust, collaborate, and meet shared objectives. - Communicates Effectively - Actively listens, conveys messages to meet different audience needs, and remains open to new ideas and opinions. - Fosters Diversity - Values diversity and difference in thought, experience, and perspective; Promotes an environment that embraces diversity, equity, and inclusion; Supports equal and fair treatment for all. Benefits: "Your benefits start day one and are flexible and customizable to your and your family’s specific needs. Check out the BENEFITS of a Career at National Life!" Base Pay Range: "The base pay range for this position is the range National Life reasonably and in good faith expects to pay for the position