Description
We are looking for a Credit Analyst to join our team! In this role, you will review residential mortgage loans to ensure compliance with agency, originator and/or investor guidelines, internal policies, Rating Agency requirements and regulatory requirements.
The ideal candidate is a detail-oriented individual with 5+ years of mortgage underwriting experience and 2+ years of secondary market underwriting experience. You will work independently, manage your own priorities, and thrive in a high-volume environment.
Responsibilities:
- Review residential mortgage loan files for accuracy, completeness, and compliance with agency, originator, and/or investor guidelines.
- Identify conditions and findings; review trailing documents as needed.
- Ensure all required documents are present and properly executed.
- Detect and resolve errors or discrepancies in loan files.
- Calculate income, debts, DTI, DSCR, and assets.
- Perform quality control checks and contribute to continuous process improvement.
- Support audit preparation and respond to findings from investors or regulatory bodies.
- Stay current on mortgage industry guidelines, regulatory changes, and investor overlays.
- Maintain working knowledge of internal systems.
Requirements:
- 5+ years of mortgage underwriting experience
- 2+ years of secondary market underwriting experience
- Knowledge of Operational Underwriting
- High School Diploma required; Associate's or Bachelor's in Finance, Business, or a related field preferred
- Proficiency in Microsoft Office (Word & Excel), Outlook, Teams, and SharePoint
We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation.