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)
Founders Federal Credit Union helps our members attain their financial goals. Our innovative services, convenient locations, and friendly employees are dedicated to our members and their financial future. Founders Federal Credit Union is strongly committed to providing the highest level of quality service to our members. We realize our outstanding, dedicated employees make it all happen.
Are you a professional within the financial industry looking for a growing company to expand your career? If so, this position may be the right fit for you! We are in search of an individual with mortgage or finance experience who has a desire to grow in the mortgage industry. This individual will bring exceptional skills at multi-tasking, strong communication skills with both members and vendors, and the ability to grasp changing concepts quickly.
This position will be located on-site at our back office operations center in Rock Hill, SC. Initial training will be completed at our Corporate Headquarters in Lancaster, SC, lasting approximately 3-4 weeks. Remote work is not available at this time.
Responsibilities and Duties:
The primary function of the Mortgage Loan Processor is to serve as the single point of contact for our members throughout the mortgage process and ensure each file is processed in a timely manner with accuracy. They will be responsible for gathering all required documentation and prepare the loan for Underwriting. They must also provide exceptional member service by overseeing the loan process from initial disclosure to closing and provide an on-going communication to all members in process. They will be responsible for accurately managing residential real estate loan documentation through our established systems, and reviewing it to ensure it is completed in full and complies with current regulations and policies.
Additional responsibilities include, but are not limited to:
Qualifications:
The Mortgage Loan Processor must possess excellent organizational skills, communication skills, and self motivation, as well as a positive attitude. The individual must have a desire to learn and the ability to accept coaching. Must work efficiently and independently in a fast-paced environment and have a strong attention to detail. Always “Think Member” and look for opportunities to serve our membership in the best interest of the member and the credit union. General knowledge of the real estate industry, prior loan processing experience or financial institution experience is desired. A two-year college degree is preferred, but not required.
Benefits:
As the Mortgage Loan Processor, you will receive hourly pay, including possible overtime, as well as an annual bonus based on performance.
Benefits provided include the following:
A pre-employment criminal background check, drug screen, consumer credit investigation, and previous employer reference check will be required.
EOE
Candidate must be available Monday-Thursday 8am-5pm, Friday 8am-6pm
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