Senior Investor Reporting Analyst

About the role

Understand the various investors' servicing guidelines to perform, as well as assist with leading and managing the day-to-day operations of the Investor Reporting (IR) team in servicing the mortgage loans sold portfolio to investors through the performance of three critical functions: remittance, reporting, and reconciliation activities as mandated by GSEs' (Ginnie Mae, Freddie Mac, and Fannie Mae) and private investors' servicing guidelines.

Responsibilities

• Stay abreast of applicable changes in the mortgage industry, as well as, changing or newly issued investors' servicing guidelines/requirements, federal, state, and industry laws and regulations to assist management in assessing risks and impacts to processes and controls.
• Thoroughly understand IR's processes and controls to effectively execute controls and/or identify weaknesses in controls in order to develop and/or implement corrective actions.
• Lead the monthly accounting activities to include review and analysis of financial records in the completion of custodial bank accounts and general ledger reconciliations, investor sales activities, and monthly IR analytics package to management.
• Lead the processing of weekly bulk requests for repurchases, Mortgage Loans Held for Investment (MLI)/Mortgage Loans Awaiting Sale (MLAS) loan reclassifications, etc.
• Review and analyze mortgage loan activity within Black Knight's (BK) Mortgage Servicing Platform (MSP), other NFCU's internal systems, GSEs' systems, and investors' trial balances and reports to assess for accuracy, resolve issues (i.e., loan activity rejects), and respond to inquiries from investors/business units (BU) and/or reporting submissions to GSEs.
• Act as the Subject Matter Expert for the Risk Sharing (RS) and Representations and Warranties (R&W) area as it pertains to performing monthly model updates for the accrued liability journal entries, executive summaries, projected servicing expense impact for net income projection to accounting, quarterly deliverables for NCUA reporting, annual budget projections, and footnote disclosures and requests and questions from BUs, investors, and/or management.
• Prepare and calculate various schedules required for the annual compliance audits.
• Aid management in preparing, gathering requested documentation, updating desktop procedures, drafting responses to questions, and monitoring prepared by client (PBCs) for various audits and reviews.
• Aid management in creating new metrics, forecasts, or reports at the directive of senior leadership due to changes in the industry or from management's changing or evolving needs.
• Aid management in updating the inventory of controls around all servicing requirements and related controls for the GSEs, private investors, and FHA/HUD, and collaborate with multiple business areas to ensure all risks are mitigated and build out the key control matrices.
• Identify areas and opportunities for process improvements, operational efficiencies, and automation and serve as IR's lead in those efforts when collaborating with other teams.
• Interact and collaborate with investors and/or various BUs (i.e., Servicing, Lending, Default, Capital Markets, etc.) when questions arise, resolve reporting and remittance issues, and/or projects/initiatives.
• Perform 1st level review and serve as mentor/trainer to Investor Reporting Analysts I.

Qualifications

• Agile and flexible to changes whether driven by mortgage industry, investors, company, or department initiatives/mandates.
• Advanced knowledge or experience of the mortgage industry.
• Advanced knowledge of accounting, credit union, and/or lending principles and techniques.
• Significant experience in applying accounting knowledge in performing transactions and reconciliations.
• Significant experience with investor reporting functions in a mortgage secondary marketing environment.
• Significant experience identifying relevant analytical problems, determining appropriate diagnostic methods, and solving unique and complex issues/problems.
• Significant experience managing multiple priorities independently and/or in a team environment.
• Significant experience in leading, guiding, and mentoring less experienced staff.
• Desired - Experience or knowledge of GSEs (GNMA, FNMA, FHLMC).
• Desired - Familiarity with Navy Federal products, services, systems, policies, and procedures.
• Desired - Experience with Black Knight's Mortgage Servicing Platform (MSP).
• Desired - Certified Public Accountant designation.
• Advanced skill following, interpreting, and applying relevant data/instructions to guidelines, procedures, practices, and regulations.
• Advanced skill presenting findings, conclusions, alternatives, and information clearly and concisely.
• Advanced skill maintaining accuracy with attention to detail and meeting deadlines.
• Advanced word, PowerPoint, and Excel skills.
• Bachelor's in Accounting, Finance, or other related field or the equivalent combination of training, education, and experience.

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged, and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion.

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Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location, and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.