Mortgage Credit Analyst jobs in Las Cruces, NM

Mortgage Credit Analyst assesses the risk and creditworthiness of loan applicants and recommends loan approval, terms, or application denial. Gathers necessary credit, income, and tax information to conduct financial assessments. Being a Mortgage Credit Analyst reviews and verifies property appraisals, collateral value, and key indicators such as debt-to-income and loan-to-value ratios. Prepares a detailed credit analysis and summary using underwriting guidelines, risk assessment frameworks, and following applicable regulatory compliance. Additionally, Mortgage Credit Analyst may require a bachelor's degree. Typically reports to a manager. The Mortgage Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Mortgage Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Credit Analyst
  • WestStar Bank
  • Las Cruces, NM FULL_TIME
  •  

    Summary

    Responsible for analyzing financial information, communicating findings through concise, well-written analysis reports as well as verbal recommendations to management.

     

    Essential Functions

    • Perform financial statement spreading and analysis on new and existing loan relationships to determine creditworthiness of borrowers, by evaluating cash flow and debt serviceability.
    • Prepare written credit analysis reports that are clear, concise and complete; translate information clearly and effectively.
    • Ensure compliance with bank policies and procedures and applicable banking regulations.
    • Assist lenders with credit exceptions.
    • Communicate with company controllers or accountants to gather additional information and interpret financial transactions.
    • Communicate and work with legal counsel on preparation of real estate documents and loan agreements.
    • Assist in the coordination of real estate loan activity with title companies, appraisers, civil or environmental surveyors, etc.
    • Contact borrowers that are past due and report chronic situations or problems to the responsible lender.
    • Contact borrowers, insurance agents, accountants, etc. for correction of any loan documentation exceptions and report problem areas to the responsible lender.
    • Coordinate activities between the lending staff and credit administration.
    • Communicate closely with all lenders relating to progress on projects and/or problems encountered in meeting objectives.
    • Other duties and projects as assigned. 

    Required Education, Experience, Skills

    • Bachelor’s degree with a major in accounting, finance or business administration.
    • Strong analytical skills with ability to interpret complex financial information; identify relevant risk.
    • Ability to work on multiple transactions simultaneously; prioritize assignments to meet deadlines.
    • Ability to communicate in a clear, concise manner (oral and written).
    • Ability to interpret technical instructions and deal with an assortment of variable.
    • Good organization skills.
    • Proficient computer skills required (Excel and Word).
    • Requires valid driver’s license; ability to travel/drive to client meetings.

    Equipment Used

    • Standard office equipment such as computers, phones and photocopiers.

    Supervisory Responsibility

    • N/A

    Working Conditions/Physical Requirements

    • Office setting
    • May require travel to client worksites, offices or other locations.

     

     

    WestStar is an Equal Opportunity Employer and does not discriminate on the basis of any protected trait, including gender, race, ethnicity, disability, or veteran status.

     

  • 1 Month Ago

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Mortgage Loan OfficerOr has passed the NMLS Exam (Remote)
  • Mission San Jose Mortgage
  • Las Cruces, NM PART_TIME,FULL_TIME
  • Responsibilities: Loan Officers who can advise borrowers on their financial status and payment methods. Create a good relationship with their clients, to be able to guide them through the process of t...
  • 3 Days Ago

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Loan Officer
  • Mann Mortgage LLC
  • Las Cruces, NM FULL_TIME
  • DescriptionWe’re Hiring Experienced or Entry Level Mortgage Loan Officers NOW! Mann Mortgage, a growing multi-state, community anchored, mortgage lending company dedicated to helping aspiring borrower...
  • 8 Days Ago

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Mortgage Originator Market Leader
  • YourWayHome.com LLC
  • Las Cruces, NM FULL_TIME
  • (In-House lender to 11,000 real estate agents, plus guaranteed leads)We are hiring an experienced mortgage originator to work with our 11,000 in-house real estate agents and receive at least 100 buyer...
  • 24 Days Ago

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Mortgage Protection Representative
  • UniTrust Financial Group
  • Las Cruces, NM FULL_TIME
  • Mortgage Protection Representative Location: Remote Job Type: Full-Time About Us: InsuraTec Services Group is a dynamic and client-focused financial services organization that specializes in insurance...
  • 1 Day Ago

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Facilities Technician
  • Nusenda Credit Union
  • Las Cruces, NM FULL_TIME
  • Nusenda Credit Union is dedicated to excellent member service, care for our community, and being a great place to work. We work to make a positive difference in the lives of the people we serve and he...
  • 3 Days Ago

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0 Mortgage Credit Analyst jobs found in Las Cruces, NM area

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Internal Revenue Agent (Reviewer - Examiner) 12 MONTH ROSTER - AMENDED
  • Department Of The Treasury
  • Las Cruces, NM
  • Duties WHAT IS THE WHISTLEBLOWER OFFICE (WBO) DIVISION? A description of the business units can be found at: https://www...
  • 3/27/2024 12:00:00 AM

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Financial Services Customer Service Representative
  • MCI Careers
  • Las Cruces, NM
  • LOCATION: Las Cruces, NM JOB TYPE: Full-Time & Part-Time PAY TYPES: Hourly + Bonus SALARY: $12.10 - $13.75 / hour BENEFI...
  • 3/27/2024 12:00:00 AM

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Assistant Branch Manager & Management Hire
  • Under Armour
  • Canutillo, TX
  • Responsibilities The Assistant Store Manager supports the Store Manager in the daily operations of the store This includ...
  • 3/27/2024 12:00:00 AM

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Bilingual Financial Services Representative
  • MCI Careers
  • Las Cruces, NM
  • LOCATION: Las Cruces, NM JOB TYPE: Full-Time & Part-Time PAY TYPES: Hourly + Bonus SALARY: $12.50 / hour BENEFITS & PERK...
  • 3/26/2024 12:00:00 AM

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Personal Banker - Roving New Mexico Southwest
  • WELLS FARGO BANK
  • Las Cruces, NM
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/26/2024 12:00:00 AM

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Personal Banker - Roving New Mexico Southwest
  • WELLS FARGO BANK
  • Anthony, NM
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/26/2024 12:00:00 AM

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Deputy Director Regulatory Compliance
  • City of Las Cruces, NM
  • Las Cruces, NM
  • Deputy Director Regulatory Compliance Print (https://www.governmentjobs.com/careers/lascruces/jobs/newprint/4432933) App...
  • 3/25/2024 12:00:00 AM

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Registered Investment Advisor
  • Farm Bureau Financial Services
  • Las Cruces, NM
  • Becoming an Investment Advisor Representative (IAR) with Farm Bureau Financial Services opens the door to opportunities....
  • 3/25/2024 12:00:00 AM

Las Cruces is the seat of Doña Ana County, New Mexico, United States. As of the 2010 census the population was 97,618, and in 2017 the estimated population was 101,712, making it the second largest city in the state, after Albuquerque. Las Cruces is the largest city in both Doña Ana County and southern New Mexico. The Las Cruces metropolitan area had an estimated population of 213,849 in 2017. It is the principal city of a metropolitan statistical area which encompasses all of Doña Ana County and is part of the larger El Paso–Las Cruces combined statistical area. Las Cruces is the economic and...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$44,340 to $63,333
Las Cruces, New Mexico area prices
were up 2.5% from a year ago

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