Bachelor's degree in Finance, Economics, Statistics, Data Analytics, Mathematics, Real Estate, or related quantitative field; Master's degree preferred
5-7 years of professional experience in one or more of: credit analytics/portfolio analysis, credit risk assessment, underwriting quality control or loan review, vendor management or performance analytics, or business intelligence/data analytics in financial services
Experience analyzing defaulted loan portfolios from an analytical perspective (measuring outcomes, identifying trends, evaluating program effectiveness) strongly preferred
Background in residential real estate investment analysis, construction lending economics, property valuation methodology, or mortgage portfolio analytics
Requirements:
Conduct comprehensive portfolio analytics on the special assets portfolio to identify trends and early warning indicators, build dashboards, and prepare data-driven reports for senior management and leadership
Monitor and evaluate default-related vendor performance (onshore/offshore) against SLAs, develop optimization strategies, perform data quality audits, and maintain vendor scorecards and reporting
Perform post-mortem underwriting analyses to identify policy gaps, translate findings into underwriting controls or training needs, and track adherence to policy across the portfolio
Evaluate loss mitigation program effectiveness across workout strategies, conduct cost-benefit analyses, benchmark against industry standards, and support process improvements and cross-functional initiatives
Job description
Who We Are: Dominion Financial Services (DFS) is a nationally recognized private lender dedicated to supporting real estate investors. With a focus on Short-Term Bridge Loans and Long-Term Rental Loans, DFS empowers clients to scale their businesses and build lasting generational wealth. DFS stands out as a leader, consistently achieving strong, measurable growth quarter after quarter. We are currently seeking a detail-oriented and driven Capital Markets Analyst with hands-on experience supporting loan funding, post-closing, or capital markets operations to join our rapidly expanding team and contribute to our mission of empowering real estate investors across the nation.
Your Impact: The Sr. Special Assets Analyst serves as a dedicated portfolio intelligence role focused exclusively on data analysis, trend identification, underwriting quality assessment, and vendor performance oversight across defaulted business purpose loans. This position functions as an internal consulting resource to identify systemic issues, inform credit policy evolution, evaluate third-party service provider effectiveness, and provide analytical support to decision-makers. Unlike operational default management roles, this position does not manage individual loan workouts, coordinate foreclosures, or oversee REO operations. The Analyst's primary deliverable is actionable intelligence that improves future loan quality, optimizes operational and vendor performance with the objective to reduce future default risk.
In This Role You Will: Portfolio Analytics & Systemic Risk Identification
Conduct quantitative and qualitative analysis across the entire special assets portfolio to identify trends, patterns, and early warning indicators of credit deterioration
Develop and maintain analytical dashboards and reporting tools that track key portfolio metrics including default rates, loss severity, geographic concentrations, and product-level performance
Perform cohort analysis comparing loan vintage performance to identify underwriting quality shifts over time
Analyze correlation between origination characteristics (LTV, FICO, property type, sponsor experience, market) and subsequent default outcomes
Prepare recurring portfolio performance reports for senior management with data-driven insights and recommendations
Present analytical findings to the Special Assets Committee, Underwriting, and executive leadership
Vendor Performance Management & Quality Assurance
Monitor and evaluate default supporting vendor performance (onshore/offshore) in executing default monitoring, collateral tracking, and portfolio surveillance activities against established service level agreements (SLAs) and quality standards
Recommend optimization strategies based on performance data analysis to improve vendor effectiveness and efficiency
Review work product quality from vendor teams including property inspection reports, collateral valuation summaries, borrower contact documentation, and timeline tracking
Conduct data quality audits on vendor-supplied information to identify accuracy issues, missing data, reporting delays, or inconsistencies requiring remediation
Analyze vendor efficiency metrics including turnaround times, error rates, escalation frequency, and cost metrics to benchmark performance against expectations
Identify process gaps and training needs within offshore/liquidation operations and recommend specific procedural improvements, enhanced controls, or workflow modifications
Develop performance scorecards that objectively measure vendor contributions to portfolio outcomes including early detection rates, valuation accuracy, and documentation completeness
Collaborate with vendor team leadership to communicate performance findings, implement corrective action plans, and verify improvement outcomes
Recommend vendor management changes including scope adjustments, resource reallocation, contract modifications, or alternative vendor evaluation when performance gaps persist
Document vendor performance trends for senior management review and contract renewal decisions
Serve as quality control bridge between offshore operational teams and internal Special Assets leadership to ensure consistent standards
Underwriting Quality & Process Improvement Analysis
Conduct comprehensive post-mortem analysis on defaulted loans to reverse-engineer underwriting decisions and identify policy gaps or exceptions that contributed to loss
Evaluate whether defaults resulted from operational deficiencies, policy violations, exception approvals, documentation weaknesses, or external market factors
Collaborate with Underwriting leadership to translate analytical findings into specific policy recommendations, enhanced controls, or training needs
Assess effectiveness of risk mitigation structures (guarantees, reserves, cross-collateralization) in actual default scenarios
Document case studies of both successful and unsuccessful credit decisions to inform underwriting and operations training programs
Track and report on adherence to policy over time and correlation to portfolio performance
Identify emerging market risks or product vulnerabilities requiring policy adjustments
Loss Mitigation Program Effectiveness Analysis
Evaluate loss mitigation program performance by analyzing outcomes across different workout strategies including loan modifications, forbearance agreements, repayment plans, deed-in-lieu arrangements, and short sales
Compare recovery rates and loss severity across mitigation approaches to identify which strategies yield optimal outcomes under specific borrower and collateral profiles
Analyze time-to-resolution metrics for different loss mitigation pathways to assess efficiency and identify bottlenecks or process delays
Track and report on borrower re-default rates following various workout structures to measure program sustainability and effectiveness
Conduct cost-benefit analysis of loss mitigation alternatives versus foreclosure to quantify the economic value of workout programs
Assess consistency in loss mitigation decision-making by comparing similar files with different outcomes to identify subjective bias or policy interpretation gaps
Evaluate whether loss mitigation eligibility criteria are appropriately calibrated by analyzing borrower profiles that succeeded versus failed in workout programs
Recommend program enhancements based on empirical data including revised qualifying criteria, modified workout terms, or new resolution alternatives
Benchmark company loss mitigation performance against industry standards and peer lenders to identify competitive advantages or gaps
Quantify the financial impact of loss mitigation programs on portfolio-level recovery rates and investor returns
Valuation Analysis & Market Intelligence
Analyze valuation assessment quality and accuracy by comparing origination valuations to subsequent market performance and distressed sale outcomes
Evaluate valuation performance and identify systematic over-valuation or under-valuation trends
Research and report on local market dynamics affecting collateral values including new construction supply, absorption rates, price trends, and regulatory changes
Build and maintain databases of comparable sales, market trends, and construction cost benchmarks to support valuation reasonability assessments
Assess the accuracy of as-is (AIV) and as-repaired value (ARV) projections relative to actual market outcomes
Provide market intelligence reports to Underwriting and Portfolio Management teams
Cross-Functional Collaboration & Special Projects
Serve as an analytical resource to Special Assets management for resolution strategy evaluation when requested
Participate in system implementation projects related to portfolio monitoring and reporting infrastructure
Support ad-hoc analysis requests from executive leadership, Risk Management, and Underwriting teams
Contribute to the development of automated reporting solutions and business intelligence tools
Requirements:
Bachelor's degree in Finance, Economics, Statistics, Data Analytics, Mathematics, Real Estate, or related quantitative field required; Master's degree preferred
5-7 years of professional experience in ONE OR MORE of the following areas:
Credit analytics or portfolio analysis
Credit risk assessment
Underwriting quality control or loan review
Vendor management or performance analytics
Business intelligence or data analytics in financial services
Portfolio management or investment analytics
Experience analyzing defaulted loan portfolios from an analytical perspective (measuring outcomes, identifying trends, evaluating program effectiveness) strongly preferred
Experience evaluating third-party vendor performance or managing offshore service provider relationships strongly preferred
Background in ONE OR MORE of the following areas: residential real estate investment analysis, construction lending economics, property valuation methodology, or mortgage portfolio analytics
