Job Details

The deadline to apply for this opportunity is October 12, 2025.

Role: The Senior Secondary Marketing Analyst will be responsible for assisting in the development, implementation, and ongoing management of a comprehensive pricing strategy for ORNL Federal Credit Unions mortgage products. This role will work closely with ORNL FCU leadership to ensure pricing strategies are aligned with market conditions and organizational goals. The analyst will monitor the bond and secondary mortgage markets to inform pricing decisions, maintain ORNL FCUs competitive position, and establish daily mortgage rates for use by originators. In addition, the role includes managing interest rate risk through effective hedging strategies, overseeing the daily risk position, and ensuring best execution of loan deliveries into the secondary market. The incumbent will also serve as the primary point of contact with investors, facilitating loan sales and maintaining strong relationships. This position requires a deep understanding of mortgage finance, secondary market operations, and risk management, along with strong analytical capabilities and leadership experience.

Essential Functions & Responsibilities:

• Supports the creation of a comprehensive pricing program, including protocols and processes, to align with credit union strategies for mortgage loan pricing, and aids in developing and executing a mortgage loan sales strategy. Responsible for Secondary Marketing functions to include, but not limited to, primary mortgage rate setting and market monitoring, loan best execution and sales activities, loan and MSR valuation, loan pull through modeling and respective pricing systems. Maintains strong investor, vendor, broker-dealer, internal departmental relationships and serves as the primary point of contact for the Secondary Marketing department for collaborative efforts. Responsible for the preparation and distribution of all reporting related to pricing, interest rate risk management, loan sales, fallout analysis, ALCO updates specific to secondary, and any other reports deemed necessary while being able to articulate results, in addition to complex analysis, to peers and executive leadership to influence decisions and solve problems. Management of the pricing desk, and ability to provide support for any pricing related questions or escalated pricing exception requests (not all-inclusive).
• Provides guidance to the mortgage lending specific to secondary marketing. Provides support through accountability and regular communication. Collaborates with the Credit Manager and Secondary Marketing & Credit Administration Officer to develop pricing strategies. In conjunction with the mortgage admins, provides support and updates to the Loan Origination System, Product & Pricing Engine, Hedging Analytical framework or any other software with regards to loan programs, investor eligibilities, systems setups, and other maintenance objectives. This also includes support for any external pricing engines or other add-ons.
• Assist in the ongoing maintenance of the secondary marketing policy and procedures including periodic revisions and required annual approvals. Assesses and update guidelines to meet all safety and soundness requirements along with prudent pricing and loan sale criteria. Develops policy compliance reporting to ensure that all relevant policy limits are monitored and any differences are promptly addressed. Set goals, monitors work, and evaluates results to ensure that organizational objectives and compliance requirements are met and are in line with the needs and mission of the organization.
• Ensures the Credit Union is in compliance with all regulations; develops procedural changes as compliance requires or new programs demand. Ensures that any other internal or external audit findings are addressed promptly and appropriately. Communicates and works closely with other members of the team and successfully collaborate with departments across the organization to achieve goals and member experience targets.
• Performs other job-related duties as assigned.

Experience: Five or more years in financial institutions, 3 years specifically within secondary marketing. The ideal candidate is a highly experienced professional with a proven track record and demonstrated expertise in secondary marketing to include mortgage loan sales, underwriting practices, loan products, loan promotions, and pipeline management. Must have the ability to prioritize and accurately complete multiple tasks within a given period while being organized and detail oriented. Must possess the highest level of integrity and objectivity. Must possess excellent communication skills, both verbal and written and be able to accurately communicate processes and protocols to internal parties.

Education: A bachelor's degree in business administration, Finance or related field or equivalent combination of education, training, experience, or military experience. Advanced degree or advanced coursework preferred.

Other skills required:

• Encompass experience a plus
• Must have in depth understanding of and ability to interpret regulations affecting lending programs.
• Must possess extensive knowledge of real estate lending practices and procedures.
• Ability to read and interpret complex documents and to respond effectively to sensitive inquiries or complaints.
• Must have high proficiency with Word, Excel, PowerPoint and Outlook.
• Excellent written and verbal communication skills required with the ability to effectively interact with all levels of the organization.
• Must possess good data analysis skills.
• Must have ability to prioritize demands from multiple projects.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.