Whole Loan Trader

Redwood Trust, Inc.

Join Redwood Trust, Inc. as a Mortgage Loan Trader, managing loan sales and optimizing execution across various mortgage products.

Last checked on May 24, 2026. We may earn a commission when you click through.

If you're well-versed in mortgage trading, this could be a lucrative role with solid compensation.

✓ Competitive salary range of $150,000-$175,000 annually. ✓ Opportunity to work with diverse mortgage products. ✓ Strong focus on relationship management with investors.

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Whole Loan Trader

Redwood Trust, Inc.

Updated 13 days ago

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United States 12,500 – 14,583 Full-Time

If you're well-versed in mortgage trading, this could be a lucrative role with solid compensation.

About this role

*About the Company** We are seeking an experienced Mortgage Loan Trader with 7+ years of capital markets experience to manage the pricing and execution of mortgage loan sale/acquisition across Closed-End Second Mortgages, HELOCs, and Agency Non-Owner Occupied (NOO) / Second Home products. This role will be responsible for optimizing loan sale execution, managing investor relationships, and identifying best-execution opportunities across multiple investor outlets. The ideal candidate has deep familiarity with agency guidelines, whole loan trading, structured products analytics, and mortgage pipeline management, and thrives in a fast-paced capital markets environment.

*About the Role** This role will be responsible for optimizing loan sale execution, managing investor relationships, and identifying best-execution opportunities across multiple investor outlets. ResponsibilitiesManage daily loan trading and execution for Closed-End Seconds, HELOCs, and Agency NOO / Second Home mortgage products.Evaluate best execution across whole loan investors, aggregators, and securitization outlets.Execute loan sales, loan acquisitions & pricing with approved investor partners.Monitor market conditions, spreads, and pricing trends using platforms such as Bloomberg and internal analytics tools.Utilize Intex analytics to evaluate structured product performance, collateral characteristics, and securitization execution opportunities.Develop and maintain advanced Microsoft Excel models for pricing analysis, loan pool analytics, and execution tracking.Coordinate with the lock desk and pricing teams to ensure accurate pricing and delivery strategy.Maintain and expand relationships with whole loan buyers and institutional investors.Analyze loan pools, pipeline characteristics, and collateral attributes to determine optimal trade structures and execution timing.Assist in pricing strategy development for second liens and investment property products.Work cross-functionally with production, underwriting, business development, and operations teams to ensure deliverability and investor compliance.Qualifications7+ years of experience in mortgage capital markets, loan trading, or secondary marketing.Direct experience trading or executing Closed-End Seconds, HELOCs, or agency mortgage products.BA or BS in Finance or Business.Strong understanding of Agency guidelines (Fannie Mae / Freddie Mac) and investor overlays related to NOO and second home transactions.Demonstrated proficiency in Microsoft Excel, including advanced financial modeling and loan pool analysis.Experience utilizing Bloomberg for market monitoring, spread analysis, and interest rate trends.Working knowledge of Intex for mortgage-backed securities and structured product analytics.Experience working with whole loan buyers, aggregators, and mortgage investors.Strong analytical, negotiation, and decision-making abilities.Ability to manage multiple trades and deadlines in a fast-paced environment.Preferred SkillsExperience with second lien securitizations or specialty investor outlets.Established relationships with investors purchasing second lien or non-owner occupied product.Pay range and compensation package A reasonable estimate of the base compensation range for this role is $150,000-$175,000. The actual salary offer to the successful candidate will be based on job-related education, geographic location, training, licensure and certification, and other factors.

Redwood Trust also offers a competitive benefit package including discretionary corporate bonus program, multiple health plans, STD and LTD options, company sponsored life insurance, fitness reimbursement, paid parental leave, time to volunteer, Paid Time off, ESPP, and 401K matching. *Equal Opportunity Statement** At Redwood Trust, we are committed to fostering an inclusive workplace where diversity is valued, and everyone has the opportunity to thrive. We welcome applications from individuals of all backgrounds and experiences.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About the Company

Redwood Trust, Inc. specializes in mortgage finance, focusing on whole loan trading and capital markets.

Key Highlights

✓ Manage daily trading for Closed-End Seconds and HELOCs.
✓ Evaluate best execution across multiple investors.
✓ Use advanced analytics tools for market monitoring.
✓ Deep familiarity with agency guidelines required.
✓ Hybrid work model available.

💡 Honest Take: This position demands extensive experience in capital markets, making it best suited for seasoned professionals.

Pros

✓ Competitive salary range of $150,000-$175,000 annually.
✓ Opportunity to work with diverse mortgage products.
✓ Strong focus on relationship management with investors.
✓ Hybrid work environment offers flexibility.

Cons

✗ Requires 7+ years of experience, limiting entry-level candidates.
✗ Fast-paced environment may lead to high stress.
✗ Not remote; requires presence in Cherry Creek.

Best For: Ideal for mortgage traders who thrive in dynamic settings and have strong analytical skills.

Watch Out: High expectations for performance and market knowledge; not suitable for those new to the field.

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Expert Review

In the role of Whole Loan Trader at Redwood Trust, you'll navigate complex mortgage products like Closed-End Seconds and HELOCs. The company emphasizes optimizing loan execution, so expect to stay sharp on market trends and pricing strategies. Deep familiarity with agency guidelines is a must, which can be a steep barrier for newcomers.

Your daily tasks will involve managing trades and maintaining relationships with various investors. This is a fast-paced role, so if you prefer a more relaxed work environment, this might not be the right fit. The $150,000 to $175,000 salary range is attractive, but remember, with great pay comes high expectations.

The hybrid work model offers some flexibility, but you'll still need to be on-site in Cherry Creek. This position is best suited for those who have a proven track record in capital markets and can handle the pressure of a competitive landscape. According to the company's page, expect to leverage tools like Bloomberg and Intex for analytics, which will be crucial for your success.