Job Details

Who We Are:

Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees-to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered "good enough."

Looking to join a company that values its people, innovates, and expands on its proprietary technology? Apply below!
Who We Need:

The Margin Management II builds upon the foundational responsibilities of Analyst I by taking on a greater role in managing and maintaining margin strategies, conducting profitability analysis, and supporting strategic decision-making. In addition to core pricing desk functions, this role ensures accurate and effective execution of margin policies, provides insights that influence business strategy, and acts as a key support function for optimizing loan product performance.
What You Will Do:

• Manage and maintain margin structures within Cardinal's proprietary LOS and third-party pricing engines, ensuring accuracy, consistency, and timely execution across all channels.
• Partner closely with Production and Finance stakeholders to implement and support channel-specific margin strategies.
• Conduct margin impact analysis using pricing surveys, market data, and loan performance trends to evaluate profitability and support strategic recommendations.
• Assist in the development, maintenance, and execution of margin models.
• Collaborate with Software and Design teams to enhance margin automation efforts and troubleshoot pricing related system issues.
• Create, manage, and routinely update key reference material and reporting tools used to support daily margin management operations.
• Support Product Development in building, launching, and maintaining loan programs by ensuring margin logic is implemented correctly and aligns with product strategy.
• Provide general administrative support to the Pricing Desk, including responding to internal margin inquiries, monitoring change requests, and helping maintain process documentation.

What You Need:

• Bachelor's Degree preferred.
• 2-4 years of experience in Capital Markets, Secondary Marketing, or a related mortgage industry role.
• Strong understanding of mortgage products and loan pricing mechanics (FHA, VA, Conventional, Jumbo, Non-QM).
• Experience with pricing engines such as Optimal Blue or similar tools preferred.
• Proficiency in Excel (formulas, pivot tables, data analysis). Experience with scripting, automation, or SQL is a plus.
• High attention to detail and a strong sense of ownership over accuracy, process, and deadlines.
• Experience working with large datasets and performing competitive pricing analysis.
• Ability to work cross-functionally with business and operational teams.
• Strong analytical and problem-solving skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Detail-oriented with strong organization skills.
• Ability to work independently while supporting team goals.
• Effective communication and collaboration skills.
• Eagerness to learn and take on increased responsibilities over time.

What We Offer:

• Strength, Stability, and Vision
• Great compensation package
• Opportunity for career growth
• A commitment to be a relevant market leader - we are aiming for the top!
• Octane, our engineered proprietary technology that is transforming the mortgage industry
• An empowered culture where your ideas are important and your voice matters
• Full Benefits, beginning the first day of the month following your start date, including - Medical, Dental, Vision, Life, Disability Insurance, and much more
• Generous paid time off package that also includes all major holidays
• 401K w/ 50% match - Beginning the 1st of the month following 30 days of employment

Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills and experiences within our workforce. California residents click here to review Cardinal's California Employee Privacy Policy & Notice at Collection. The expected base salary for this position ranges from sixty five thousand dollars to ninety one thousand dollars, determined based on the applicant's experience, skillset, education, training, certificates, and licenses.