Mortgage Credit Analyst jobs in Flagstaff, AZ

• Generous paid time off: 10 paid holidays, 2 floating holidays, 6 personal days, 15 vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans – as low as $5 per pay period
• Paid childcare assistance (up to $96 per pay period)
• Award-winning 401(k) 5% discretionary match - fully vested from day 1
• 100% Gym fee reimbursement up to $75/month
• 100% Tuition Reimbursement Up to $5,250
• $1200/yr student loan repayment

Our ideal candidate

• Effectively works with branches and community real estate professionals in assigned market, to build relationships, assist partners and branch associates in understanding real estate loan products and processes, and markets credit union real estate loan product line to new and existing members.
• Develops mortgage loan business through member seminars and calls on realtors, contractors, and other potential sources.
• Interviews applicants and requests specified information for loan application. Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
• Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms.
• Required to accurately use multiple computer programs in completing work, including the loan originating system, MS Word, MS Excel, MS Windows, and other computer programs as required.
• Adheres to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines.
• Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
• Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.
• Promotes and cross-sells other establishment products and services as appropriate to member requirements.
• Actively participates in scheduled call nights, call blocks, to conduct outbound calls to centers of influence, new members, and potential members.
• Actively participates in scheduled outside business activities to develop relationships with external partners to gain referral.
• Completes regular educational and compliance courses to stay abreast of internal and industry changes.

• High School Diploma
• Bachelor's Degree Preferred

• 1 to 3 years of similar or related experience. Minimum two years residential lending experience.

• Thorough knowledge in loan origination and closing requirements for conventional, construction, and non-conforming portfolio loan programs. (High proficiency)

Why join the OneAZ team?