Senior Analyst - Credit and Income

Job Description

• Complete quality control post loan closing/Pre-funding. Review pre-closing/Prefunding documentation to ensure accuracy prior to document release and review post-closing documentation to ensure accuracy after loan closing and confirm supporting documents are all present and correctly executed. Record and report loan exceptions.
• Expertise on RADD, Forensic review, QM(Conventional, FHA, VA and USDA), non-QM and Portfolio loans review.
  • Credit and Income review; Income calculation; Employment Income, self-employed income, rental income and other income.
  • Identify red flags on loan file(Income documents review, asset documents review, credit report, Fraud report, exclusionary list).
• Review entity documentation to understand business structure and authorized  signers.
• Knowledge of applicable federal regulations and state laws a plus.
• Ability to prioritize and decipher policies, programs, and guidelines.
• Strong attention to detail, organizational and communication skills.
• Ability to handle multiple tasks, take on new responsibilities, and prioritize work in a deadline-intensive environment.
• Strong interpersonal and teamwork skills and ability to influence through collaboration.
• Self-motivated, high level of personal energy and commitment.
• Flexible to work on Night shifts.

Qualifications

• Bachelor's Degree, Master's Degree.
• 5+ years of experience in retail US residential mortgage banking and QC/post-closing/Prefunding is required.

Additional Information

Competitive salary based on your experience and skills
Good Health
Comprehensive insurance plans like Medical, Personal Accident Benefit and Life Insurance
 

Happiness
• 6 paid days off per year
• Employee engagement programs
• Opportunities to join our community service initiatives, including Habitat for Humanity
Are you up to the challenge? What are you waiting for? Apply today!
If you have any questions or concerns, feel free to reach out to us at [email protected]
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.