讨论loan agent 是如何收rebate的 - 未名空间MITBBS历史存档

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讨论loan agent 是如何收rebate的

讨论loan agent 是如何收rebate的# Living

s*y2010-08-05 07:08

1 楼

Positions available in a Modeling and Analytics group in Citi's consumer finance business. Job function is statistical modeling and analysis.
1. Fresh graduate with Master degree in Econ/Statistics/Operation research. PhD preferred. SAS experience needed. Location at St Louis, MO. Sponsor H1B visa.
2. Experienced position available at Stamford, CT. No H1B transfer currently. Green card at least.
Send me your name and email to my bbs emailbox for more detailed job
description and application instruction for internal referral. Please do not send me your resume directly to my bbs emailbox with limited space left. Thanks.

S*r2010-08-05 07:08

2 楼

批绿的真排期到底前进到哪里
无非取决于两个因素：供给和需求
EB2C的需求来年有多少
本来就说不清道不明
你用PERM分析也好还是140分析也好
都最多能估摸个大概而已
EB2C每年能吃多少供给
除了份额内的2803个是定量
其他都是变量
而且还每年都不一样
根本没有任何线性回归的可能
所以说现有体制下的供给和需求都是变量
所有的分析都是基于大量假设
怎么就老是有人跳出来信誓旦旦地说：清空现有库存要XX年？
除了最后一步的除法本身做得精确无比信心十足
连除数和被除数都是大量假设推出来的
garbage in garbage out
而且还不许别人质疑？？
呵呵
交了485拿了EAD/AP就乖乖地待着闷声发大财吧
身份问题基本上解决了该干啥就干啥去吧
别总是没事有事跳出来哗众取宠了

R*U2010-08-05 07:08

3 楼

首先声明，我这表格是中部大农村的，两岸的同学千万别比较自己的情况。
其次我也只是讨论一下，我在银行干过，但没搞过贷款，有错大家提。
先看红框里的表。
第一列是agent给你的rate，后3列是不同lock时间里他拿的rebate
也就是说，现在如果你卖出一个4.375%的loan，60天lock的话，回扣是 1.1%
Again，这个是中部大农村的，两岸的同学千万别比较自己的情况。
然后就要根据贷款人的credit score和loan to value来调整。
比如说同时贷80%的人，score》740 rate就比score 在720 740之间的低0.25% 依此类
推.
除了rebate还有各种各样的fee出在羊身上。
所谓no fee refi 其实就是agent用rebate付帐。
但其实rate差 0.125% agent rebate可差了不少，到底谁划算就看个人了。

s*y2010-08-05 07:08

4 楼

up.

finance business. Job function is statistical modeling and analysis.
. PhD preferred. SAS experience needed. Location at St Louis, MO. Sponsor
H1B visa.
currently. Green card at least.
not send me your resume directly to my bbs emailbox with limited space left.
Thanks.

【在 s***y 的大作中提到】

: Positions available in a Modeling and Analytics group in Citi's consumer finance business. Job function is statistical modeling and analysis.
: 1. Fresh graduate with Master degree in Econ/Statistics/Operation research. PhD preferred. SAS experience needed. Location at St Louis, MO. Sponsor H1B visa.
: 2. Experienced position available at Stamford, CT. No H1B transfer currently. Green card at least.
: Send me your name and email to my bbs emailbox for more detailed job
: description and application instruction for internal referral. Please do not send me your resume directly to my bbs emailbox with limited space left. Thanks.