NQE Pricing Specialist
Core
Manage pricing and rate-lock processes for Non-QM mortgage loans, focusing on exception pricing, off-sheet offerings, and risk-based pricing decisions.
Role type
Non-QM Pricing Specialist
Builds
Competitive, compliant, and aligned pricing for Non-QM mortgage products
Domain
Mortgage banking / Financial services
Deliverable
production ML models | product features | dashboards & analysis | client delivery | infrastructure | physical/clinical work
Required skills
Non-QM guidelines expertise, investor overlay analysis, borrower risk evaluation, pricing engine proficiency, loan origination system usage, market condition analysis, compliance adherence, exception documentation, pipeline health monitoring
Preferred skills
Bachelor's degree in Finance/Economics/Business, 3+ years in Non-QM pricing or rate lock operations, experience with Optimal Blue and LoanSifter, experience with Encompass
Technologies
Optimal Blue, LoanSifter, Encompass
Responsibilities
Issue lock confirmations and track lock expirations; assess and price exception scenarios outside standard rate sheets; issue accurate pricing quotes for Non-QM products; analyze loan-level risk characteristics to determine pricing overlays; collaborate with Secondary Marketing and Capital Markets teams; monitor pipeline health and resolve pricing discrepancies; document pricing exceptions and justifications; provide insights and reporting on exception trends and margin impact; ensure adherence to compliance standards and investor requirements
Seniority
Mid-level, hands-on IC