Mortgage Financial Analyst Accountant

Position Overview

Mortgage Financial Analyst Accountant at Magnolia Bank—a community bank that has served Central Kentucky and beyond for over 100 years. Our network includes banking centers, mortgage offices nationwide, and a team of over 300 dedicated professionals. We take pride in our personal approach and commitment to employee growth while living our Magnolia Values of Honesty, Integrity, Confidentiality, Excellence and Professionalism. In this role, you'll support strategic financial decision-making in our mortgage operations and work closely with various teams. This position reports to the Mortgage Director of Accounting and Finance.

Key Responsibilities

• Conduct comprehensive financial analysis and modeling to assess the performance and profitability of mortgage loan portfolios, products, and services.
• Support the development and presentation of financial reports for senior management, highlighting key trends, risks, and opportunities.
• Analyze mortgage market trends, interest rates, and economic factors to help predict financial performance and guide strategic decisions.
• Assist in the preparation of budgets, forecasts, and financial projections for mortgage banking operations.
• Evaluate loan pricing strategies, profitability metrics, and risk factors to support optimal decision-making.
• Monitor financial performance against budgets and provide variance analysis with actionable recommendations.
• Collaborate with underwriting, sales, and operations teams to gather data and insights for financial reporting and analysis.
• Develop financial models for new mortgage products, ensuring alignment with business objectives and market conditions.
• Provide ongoing support for audit and compliance processes related to mortgage banking financial operations.
• Coordinate with external partners and stakeholders, including investors and regulators, to ensure accuracy and integrity in financial reporting.
• Stay up to date on mortgage banking regulations, industry trends, and best practices to continuously improve analysis processes.

Required Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 1-3 years of experience in financial analysis, preferably within mortgage banking or real estate finance.
• Strong knowledge of mortgage loan products, underwriting processes, and industry regulations.
• Proficiency in financial modeling and analysis, with advanced Excel skills (pivot tables, v-lookups, data analysis).
• Familiarity with financial software and systems (e.g., Accounting for Mortgage Banker (AMB), Loan Origination Systems).
• Excellent communication and presentation skills with the ability to convey complex data to non-financial stakeholders.
• Strong attention to detail, organizational skills, and the ability to manage multiple tasks and deadlines.
• Ability to work collaboratively in a fast-paced environment and adapt to changing priorities.
• Knowledge of financial reporting standards and regulatory compliance within the mortgage industry is a plus.

Preferred Qualifications

• Professional certifications such as CFA, CPA, or similar.
• Experience working with mortgage-related financial data, underwriting, and compliance reporting.
• Ability to work independently with minimal supervision while making immediate, responsible decisions.
• Extremely detail oriented with excellent communication and organizational skills.

If you are looking for a role that offers growth opportunities in a fun, engaging, and beneficial work environment, come join Magnolia Bank and help us continue our legacy of excellence.