Scenario Desk Underwriter - Home Equity

Sofi

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. This role requires meticulous attention to detail, strong organizational skills, and the ability to work independently in a fast-paced environment. The ideal candidate will have experience in the mortgage industry, proficiency in relevant software, and the ability to serve as a critical point of contact for both internal teams and external stakeholders. This position follows a hybrid work model and requires in-office attendance 2 days per week. What you'll do: * Enforce Lock Desk policy & procedures. * Assist the company’s loan officers with rate lock maintenance, loan re-prices, and general Lock. * Monitor and track Best Effort rate locks with investors. * Confirm loan pricing accuracy and profitability. * Conduct systematic data entry for all interest rate lock requests and re-prices. * Act as the main point of contact for escalation scenarios. * Process Change of Circumstances, Loan Concessions, Lock Scrubs, and Lock Extensions. * Monitor various shared email in-boxes and perform work within SLA. * Act as a primary point of contact with the Loan Setup Client Experience Team to ensure loan terms are compliant. * Ensure the accuracy of fees; create a file structure for outbound disclosures. * Monitor robotics outcome reports and scrub loans that fail to queue back up for automation or work manually. * Coach, train, and educate teammates who are newly onboarded. What you'll need: * A four-year college degree in Finance, Economics, or another related field is preferred * 2+ years in the mortgage industry preferred * 2 + years of Encompass experience * 2+ years of Optimal Blue experience * Microsoft Excel proficiency * General knowledge of financial markets * Knowledge of TRID guidelines * Ability to work quickly, accurately, and independently in a very fast-paced environment * Comfortable working under a high level of confidentiality * Detail-oriented and strong time management / organizational skills Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Twilio

Who we are  At Twilio, we’re shaping the future of communications, all from the comfort of our homes. We deliver innovative solutions to hundreds of thousands of businesses and empower millions of developers worldwide to craft personalized customer experiences. Our dedication to remote-first work, and strong culture of connection and global inclusion means that no matter your location, you’re part of a vibrant team with diverse experiences making a global impact each day. As we continue to revolutionize how the world interacts, we’re acquiring new skills and experiences that make work feel truly rewarding. Your career at Twilio is in your hands. We use Artificial Intelligence (AI) to help make our hiring process efficient. That said, every hiring decision is made by real Twilions! . See yourself at Twilio Join the team as our next Deal Desk Senior Analyst. About the job Twilio is looking for a curious, action-oriented, strong financial analyst for the Deal Desk Team who lives the Twilio Magic to support our LATAM Go-to-Market motion. This is an exciting role for an individual to gain and expand a broad spectrum of cross-functional interactions and contribute to non-standard commercial agreements by providing rigorous financial governance and structuring. This role partners closely with Finance leadership, Sales, Legal, and Operations to evaluate, structure, and execute deals in a way that is a “win-win” for both customers and Twilio while optimizing corporate margin goals. The ideal candidate is a proactive, driven professional, able to build complex financial models and analyze pricing structures, while providing data-driven, financially sound, and clearly communicated explanations and solutions. Responsibilities In this role, you’ll: * Build and analyze financial models and pricing scenarios for standard and non-standard agreements, evaluating critical variables including pricing, discounting, term length, usage commitments, and gross margin impact. * Partner with Sales to structure commercially sound deals by analyzing tradeoffs across price, volume, and risk, ensuring all structures align with Twilio’s financial guardrails. * Act as a guardrail and educator for Sales and GTM teams, ensuring adherence to internal contracting policies, approval matrices, and discount governance. * Own the end-to-end Deal Desk operational workflow in Salesforce/CPQ (from quote building and pricing approvals to Order Form creation, DocuSign execution, and opportunity closure), ensuring 100% data integrity and policy compliance. * Establish trusted working relationships across Commercial Legal, Billing Operations, Corporate Finance, and Sales to streamline deal velocity. * Collaborate with Sales and Legal to review and structure non-standard contract language within Order Forms, ensuring alignment with corporate risk and revenue recognition policies. * Conduct ad-hoc financial analysis and modeling to support broader business decisions and strategic initiatives. * Drive and participate in cross-functional project improvement initiatives to scale Deal Desk operations, enhance systems, and optimize internal workflows. Qualifications  Twilio values diverse experiences from all kinds of industries, and we encourage everyone who meets the required qualifications to apply. If your career is just starting or hasn't followed a traditional path, don't let that stop you from considering Twilio. We are always looking for people who will bring something new to the table! *Required: * Business proficiency or fluency in English, with solid written and verbal communication skills. * A Bachelor’s or Associate’s Degree plus a minimum of 3 years of experience in Corporate Finance, Financial Planning & Analysis (FP&A), Commercial Finance, Deal Desk or an analytical Go To Market role. If no degree, a minimum of 5 years of relevant analytical experience is required. * Demonstrated analytical and financial skills, with a firm understanding of core financial concepts and the ability to explain financial tradeoffs clearly. * Advanced Excel/Google Sheets skills, with proven experience building financial models, logic formulas, and scenario analyses. * A diligent, detail-oriented skillset, with the ability to manage multiple high-velocity requests simultaneously while remaining extremely organized under tight deadlines. * A self-starter with a “can-do” attitude who is comfortable asking clarifying questions and operating with high integrity that aligns with the Twilio Magic. Desired: * Knowledge and/or experience using online sales and/or document management tools such as Salesforce, Tableau, Looker, CLM, and JIRA. Location This role will be remote, and based in Mexico.  Travel  We prioritize connection and opportunities to build relationships with our customers and each other. For this role, approximately 5% travel is anticipated to help you connect in-person in a meaningful way.  What We Offer Working at Twilio offers many benefits, including competitive pay, generous time off, ample parental and wellness leave, healthcare, a retirement savings program, and much more. Offerings vary by location. Twilio thinks big. Do you? We like to solve problems, take initiative, pitch in when needed, and are always up for trying new things. That's why we seek out colleagues who embody our values — something we call Twilio Magic. Additionally, we empower employees to build positive change in their communities by supporting their volunteering and donation efforts. So, if you're ready to unleash your full potential, do your best work, and be the best version of yourself, apply now! If this role isn't what you're looking for, please consider other open positions. Twilio is proud to be an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law. Qualified applicants with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Additionally, Twilio participates in the E-Verify program in certain locations, as required by law.

IMC

As a Macro Research Analyst on our US Index desk in Chicago, you will partner closely with Traders to identify trading opportunities in the markets for US index futures and options. Based in our Chicago office, you will be an integral part of the trading team. You will attempt to find opportunities that other market participants may not be aware of or are interpreting in a different way. More than reporting what you see, you will translate macro context into actionable trade ideas - framing your views in probabilistic terms and with conviction, so that Traders can convert them into positions. You will work in a fastpaced, dynamic, sometimes highly pressured dealing room, and over time you may potentially be handling trades yourself. Your Core Responsibilities:  * Monitor markets with a focus on US equity indices and their relation to other macro products * Monitor headlines and analysis (mainstream media, specialized Investment Bank research). Make judgement calls on its importance, impact and reliability * Understand and react to changes in the volatility term structures in light of new trends and events  * Spot trading opportunities across the US equity markets and translate them into actionable trade ideas  * Look at global economic events and perform impact / scenario analysis, expressing views in probabilistic terms with clear conviction  * Understand the possible risks and opportunities in each scenario, suggesting the best pay-off structures * Prepare for and analyze important events (FOMC meetings, data releases, elections) * Interact proactively with Traders to game plan trading around scenarios * Analyze the historical performance of trade recommendations and tie research output directly to trading results * Study time series related to the volatility of events and realized moves, to spot patterns, potential regime shifts and to build scenarios * Monitor the relation (beta) between equity indices and their single-stock constituents  Your Skills and Experience:  * Bachelor's degree in Finance, Econometrics, STEM or a related field of study  * 2-4 years of work experience with Equity Index, Equity Research and/or Fixed Income Futures * A strong and proven interest in financial markets, experience with options is a plus * Outstanding analytical and problem-solving skills * Strong Excel skills * Experience in programming with Python is a plus * Ability to work in a fast-moving and competitive environment * Strong focus on teamwork, details and accuracy * Fluent in English   About Us IMC is a global trading firm powered by a cutting-edge research environment and a world-class technology backbone. Since 1989, we’ve been a stabilizing force in financial markets, providing essential liquidity upon which market participants depend. Across our offices in the US, Europe, Asia Pacific, and India, our talented quant researchers, engineers, traders, and business operations professionals are united by our uniquely collaborative, high-performance culture, and our commitment to giving back. From entering dynamic new markets to embracing disruptive technologies, and from developing an innovative research environment to diversifying our trading strategies, we dare to continuously innovate and collaborate to succeed.