Investor Reporting Analyst

Job Description: Investor Reporting US Banking

Job Title: Investor Reporting Analyst / Senior Analyst
Industry: US Banking / Financial Services
Process: Investor Reporting / Mortgage Banking / Loan Servicing
Experience: 2–6 years (depending on seniority)
Location: US Banking Operations / Global Capability Center

Job Summary

Responsible for preparing, validating, reconciling, and delivering accurate investor reports related to mortgage loans, loan servicing, and securitized portfolios. The role ensures compliance with investor guidelines, contractual reporting requirements, internal controls, and applicable US regulatory standards while meeting reporting deadlines.

Key Responsibilities

• Prepare and distribute daily, monthly, and quarterly investor reports for US banking and mortgage portfolios.
• Reconcile loan-level data, principal and interest collections, escrow balances, fees, payoffs, delinquencies, and outstanding loan balances.
• Validate cash flows, remittance amounts, and transaction data against servicing systems and general ledger records.
• Support investor remittances and reporting for agencies and investors such as Fannie Mae, Freddie Mac, Ginnie Mae, and private-label investors, as applicable.
• Investigate and resolve reporting discrepancies, cash breaks, data mismatches, and exceptions.
• Perform variance analysis and root-cause analysis for reporting differences.
• Ensure reports comply with investor guidelines, servicing agreements, SLAs, and internal control procedures.
• Coordinate with loan servicing, cash management, accounting, treasury, and other operations teams to resolve issues.
• Maintain documentation, audit trails, and supporting schedules for internal and external audits.
• Identify opportunities to automate manual reporting processes and improve accuracy and turnaround time.

Required Skills and Qualifications

• Bachelor's degree in Finance, Accounting, Commerce, Economics, or a related field.
• Experience in US banking, mortgage servicing, investor reporting, or financial operations.
• Understanding of mortgage loans, loan servicing, principal and interest, escrow, remittances, and delinquency reporting.
• Strong reconciliation, analytical, and problem-solving skills.
• Proficiency in Microsoft Excel, including PivotTables, XLOOKUP/VLOOKUP, SUMIFS, and data validation.
• Experience with SQL, reporting tools, or automation is an advantage.
• Strong attention to detail and ability to meet strict reporting deadlines.
• Good written and verbal communication skills.

Preferred Knowledge

• Fannie Mae, Freddie Mac, and Ginnie Mae reporting requirements, where relevant.
• US mortgage lifecycle, securitization, loan boarding, and servicing transfers.
• Month-end close, general ledger reconciliation, and financial reporting controls.
• SOX controls and audit requirements, where applicable.
• Reporting platforms, mortgage servicing systems, and data management tools.

Key Performance Indicators (KPIs)

• Reporting accuracy and completeness.
• On-time submission of investor reports.
• Number and age of unresolved reconciliation breaks.
• Compliance with SLAs and investor reporting deadlines.
• Reduction in manual errors and recurring exceptions.
• Audit findings and control exceptions.