Wells Fargo
Wells Fargo
Wells Fargo is a multinational financial services company operating across banking and related financial products. Its hiring landscape includes opportunities for early-career professionals, experienced specialists, and leaders, with an emphasis on collaboration, innovation, and an inclusive workplace culture. The company also highlights development programs designed to support career progression across its broad workforce.

Lead Mortgage Valuation and Cash Flow Analytics Consultant

Lead valuation, profitability, forecasting, and cash-flow analysis for Wells Fargo mortgage and consumer lending portfolios. Support securitization, capital markets execution, and Home Equity analytics strategy.

Description

  • Lead performance, valuation, cash-flow, forecasting, and profitability analysis across mortgage and consumer lending portfolios
  • Contribute to the development of Home Equity analytics and securitization capabilities
  • Analyze mortgage pricing and product economics across rates, points, credits, product types, and lock periods
  • Model origination behavior through pull-through assumptions and identify fallout drivers
  • Break down projected profitability across net interest margin, fees, fulfillment, hedging, capital, and liquidity costs
  • Calculate and interpret NPV, return on assets, return on equity, and capital utilization measures
  • Collaborate with Mortgage Capital Markets, Secondary Marketing, and business teams on securitization, collateral analytics, portfolio optimization, and Home Equity execution
  • Evaluate rate-volatility effects on margins and help determine optimal execution strategies
  • Run scenario and sensitivity analyses using interest-rate, CPR, pull-through, and spread assumptions
  • Create forecasts, reporting, dashboards, and insights for senior leaders
  • Turn complex analytical results into clear business recommendations
  • Work with Finance, Risk, Treasury, Mortgage Capital Markets, and business teams on strategic initiatives

Requirements

  • At least five years of Risk Analytics experience, or equivalent expertise gained through work, training, military service, or education
  • Background in portfolio analytics, financial analytics, mortgage finance, consumer lending, capital markets, structured finance, secondary marketing, securitization, or a related field
  • Experience supporting securitization, structured finance, capital markets, or secondary marketing work involving cash flows, collateral, valuation, and execution economics
  • Broad knowledge of portfolio valuation, cash-flow analysis, forecasting, securitization structures, capital markets, and secondary-market execution
  • Experience with MBS, RMBS, ABS, home equity loans, or HELOC products is preferred
  • Experience in cash-flow, portfolio, profitability, forecasting, scenario, business-performance, and mortgage modeling analysis
  • Strong knowledge of pull-through, fallout, prepayment, pipeline, and loan-level performance factors
  • Ability to assess mortgage portfolios, identify profitability and risk drivers, evaluate valuation effects, and recommend actions
  • Experience building and maintaining analytical models, dashboards, and reporting tools
  • Advanced skills in SQL, Python, SAS, Power BI, and Tableau
  • Experience analyzing large and complex financial datasets
  • Ability to collaborate with risk, finance, capital markets, servicing, and business stakeholders
  • Strong analytical, problem-solving, communication, presentation, and stakeholder-management capabilities
  • Willingness to work onsite at the job-posting location

Benefits

  • Hybrid work arrangement
  • Equal opportunity employer
  • Medical accommodations are available during the application or interview process
  • Drug-free workplace

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