CIB Residential Mortgage Finance, Associate (Fintech)

Location: United States of America; full-time role with no remote or hybrid arrangement stated

Salary: $175,000–$225,000 USD annual base pay

Company

hirify.global is a global financial services organization undergoing a technology-driven, customer-centric transformation.

What you will do

• Analyze residential mortgage collateral, loan tapes, eligibility, concentration limits, performance triggers, and portfolio trends.
• Support underwriting, structuring, approval, and ongoing management of residential mortgage, mortgage servicing rights, and related credit facilities.
• Review client underwriting guidelines, financial statements, liquidity, leverage, profitability, origination volumes, and servicing performance.
• Prepare credit memoranda, transaction summaries, client presentations, portfolio reviews, and approval materials.
• Monitor borrowing collateral, covenants, margining, facility utilization, delinquencies, defaults, prepayments, repurchases, and servicing metrics.
• Coordinate with Risk, Legal, Compliance, Operations, Treasury, Finance, Audit, clients, counsel, custodians, valuation providers, and diligence firms.

Requirements

• Legal authorization to work full-time in the United States without employer sponsorship is required.
• Bachelor’s degree in Finance, Economics, Business, Accounting, Mathematics, Computer Science, or a related quantitative discipline.
• At least 3 years of experience in residential mortgage finance, mortgage warehouse lending, specialty finance, commercial banking, structured lending, mortgage banking, credit underwriting, or related financial services.
• Experience analyzing residential mortgage collateral, loan-level data, client financial statements, and borrowing base reports.
• Strong understanding of credit, liquidity, counterparty, collateral, and operational risk in residential mortgage finance.
• Strong financial modeling, credit analysis, Excel, written, verbal, presentation, and problem-solving skills.

Nice to have

• Experience evaluating mortgage lenders, servicers, aggregators, mortgage collateral, warehouse facilities, MSR financing, or servicing advance facilities.
• Familiarity with residential mortgage origination, servicing, agency guidelines, non-agency products, mortgage finance systems, loan tapes, and custodial reporting.
• Advanced degree or relevant professional designation.

Culture & Benefits

• Competitive rewards package based on skills, experience, training, licensure, certifications, and location.
• Benefits designed to support employees, families, and long-term well-being.
• Strong proactive risk-management culture across all professional levels.
• Inclusive and accessible application process with reasonable accommodations available.