Financial Analysis: Conduct thorough financial analysis, including financial statements review, cash flow analysis, and performance metrics evaluation to assess the companys financial health and identify areas for improvement.
Market Research: Monitor housing market trends, interest rates, regulatory changes, and competitor activities to identify opportunities and threats to the companys business objectives.
Investment Evaluation: Evaluate potential investment opportunities, including mortgage-backed securities, real estate assets, and other financial instruments, to assess risks and returns.
Risk Management: Assess credit risk, interest rate risk, and liquidity risk associated with the companys lending activities and develop strategies to mitigate risks effectively.
Financial Modeling: Develop financial models to forecast revenues, expenses, and cash flows, and perform scenario analysis to support strategic planning and decision-making.
Budgeting and Forecasting: Assist in the preparation of annual budgets, forecasts, and financial plans, and provide analysis to support budgetary decisions and resource allocation.
Reporting and Presentation: Prepare financial reports, presentations, and dashboards for senior management, board of directors, and external stakeholders, highlighting key financial insights and performance indicators.
Cross-functional Collaboration: Collaborate with other departments such as risk management, treasury, and lending operations to support business initiatives, optimize processes, and drive financial performance.
Regulatory Compliance: Ensure compliance with regulatory requirements, accounting standards, and internal policies, and assist in regulatory filings and audits as needed.
Continuous Improvement: Stay updated on industry best practices, emerging trends, and technological advancements in financial analysis and modeling, and recommend improvements to enhance efficiency and effectiveness.
Pre-Requisites
Qualifications and Skills:
Bachelors degree in finance, accounting, economics, or a related field; advanced degree (e.g., MBA, CFA) preferred.
Proven experience as a financial analyst, preferably in the housing finance or real estate industry.
Strong analytical skills and proficiency in financial modeling, data analysis, and statistical techniques.
Excellent understanding of financial principles, accounting standards, and regulatory requirements.
Advanced proficiency in Microsoft Excel, financial software, and database management tools.
Effective communication skills, with the ability to present complex financial information in a clear and concise manner.
Detail-oriented, organized, and able to manage multiple priorities in a fast-paced environment.
