Head of Financial Planning and Analysis (FP & A)

Guidance Residential, LLC is a strong, growing company that specializes in residential mortgage lending. Our team members are a vital strength in our ability to grow and continue to serve our customers.

We are seeking a full-time experienced Head of Financial Planning and Analysis (FP & A) local to the Northern Virginia / Washington DC Metro Area.

Job Summary

The Head of Financial Planning & Analysis (FP&A) is a hands-on finance leader responsible for building and executing the company’s financial planning, forecasting, and performance management processes across the organization.

This role partners closely with the CFO and executive leadership to deliver actionable insights that drive profitability and strategic growth. The ideal candidate combines deep mortgage industry knowledge with strong analytical and financial modeling capabilities and is comfortable operating in a fast-paced environment.

Essential Duties and Responsibilities

Strategic Planning

• Lead the annual budgeting process, financial forecasts, and long-range planning.

• Partner with the CFO and executive leadership to support strategic initiatives; growth planning, cost optimization, and market expansion.

Performance Management & Reporting

• Develop and maintain KPI dashboards across the organization; production, profitability, cost per loan, and operational efficiency metrics.

• Prepare and deliver monthly, quarterly, and ad-hoc financial reporting packages with clear, actionable insights.

• Own variance analysis (budget vs. actuals vs. forecast), including root cause identification and executive-level communication.

Business Partnership

• Act as a trusted finance partner to Sales, Operations, Servicing, and Capital Markets leaders.

• Provide financial guidance on compensation plans, branch performance, and cost structures.

• Collaborate closely with Accounting to ensure alignment between financial reporting and budgeting. Forecast and monitor warehouse line utilization, borrowing capacity, and liquidity needs.

• Partner with Treasury to evaluate funding strategies, cost of capital warehouse utilization, cash flow forecasting.

Mortgage-Specific Financial Analysis

• Develop and maintain models for:

  • Gain-on-sale margins, pricing, and profitability

  • Loan volume forecasting by branch/region

  • Pipeline valuation and revenue recognition

• Analyze production trends, lock/close ratios, and profitability by product and branch.

• Support capital markets with financial analysis related to hedging performance and pricing strategy.

• Analyze servicing portfolio performance, including:

• MSR valuation and sensitivity analysis performed by a 3rd party

• Prepayment speeds (CPR), delinquency, and servicing income

Process Development & Systems

• Build FP&A best practice processes, reporting frameworks, and financial models

• Drive automation and efficiency using tools such as Excel or Domo.

• Improve data integrity and consistency across systems (LOS, servicing platforms, GL).

Requirements

• Bachelor’s degree in Finance or related field (MBA preferred).

• 5+ years of experience in FP&A, or corporate finance within the mortgage or financial services industry.

• Strong understanding of mortgage banking economics, including gain-on-sale, hedging/derivatives, and servicing/MSR dynamics.

• Proven ability to operate in a hands-on environment.

• Advanced financial modeling and visualization skills, including sensitivity analysis and decision support.

• Experience utilizing capital budgeting techniques (DCF, NPV, ROI, IRR) preferred.

• Advanced proficiency in Microsoft Excel; experience with BI tools (Power BI, Tableau, Domo) strongly preferred.

• Experience working with mortgage systems (e.g., LOS, servicing platforms) and financial systems.

• Strong analytical, problem-solving, and communication skills with the ability to influence senior leadership.

Job Benefits

• Work for an experienced and proven leader in digital mortgage solutions

• 14 Paid Holidays per year

• Medical/Dental/Health Benefits and Student Loan Paydown

• Paid Vacations and Sick Leave

Our offices are conveniently located in Reston, VA and easily accessible from the Virginia, Maryland, D.C. area. We are located within walking distance to the Washington D.C. Metro's Silver Line Wiehle-Reston Station, and we are also only a few miles from the Dulles International Airport.