Mortgage Credit Analyst jobs in Georgia
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)
Recently Added Mortgage Credit Analyst jobs
Senior Commercial Credit Analyst
- LGE Community Credit Union
-
Vinings, GA
FULL_TIME
-
What You'll Do
The primary purpose of this position is to assist LGE in living out its service mission, “Dedicated to our member’s financial well being.” To achieve this goal the employee must provide outstanding service to both internal and external members. Responsible for analyzing data and accurately evaluating credit risk of potential borrower. Prioritization, effective time management and strong organizational skills along with the ability to perform multiple functions are needed for this position.
Essential Functions- Maintain an effective knowledge of LGE’s products and services.
- Analyze financial statements and tax returns including balance sheet, income statement and statements of cash flow.
- Make recommendations that support long term credit objectives.
- Prepare documentation and assist commercial lenders in obtaining and analyzing commercial loan applicants.
- Evaluate credit worthiness of commercial applicants and make recommendations.
- Develop and maintain relationships with third party vendors to ensure efficient credit analysis operations.
- Proficient use of data analysis software, Excel, Adobe and Word.
- Ability to research and analyze financial data on new, renewal and existing business loans, including data provided by credit reporting agencies, public record agencies, and research/analysis on industry studies and reports.
- Collaborate with management, commercial lenders and third party vendors to assess credit risk of the commercial loan portfolio.
- Identify and recommend appropriate structuring of commercial credit facilities.
- Ability to assimilate all data required to complete detailed credit analysis for new requests and annual reviews of existing portfolio and recommend risk grade to management.
- Responsible for independently underwriting new credit requests and annual review of existing borrowers, analyzing repayment capacity and monitoring borrower compliance with approved terms and recommending risk tolerance to management and financial impact to the CU.
- Develop, produce and maintain reports for monitoring of commercial credit relationships.
- Review and analyze the financial condition of businesses and individuals; evaluate the quality and sufficiency of various sources of repayment, collateral and the appropriateness of credit structures for new loan and renewal requests are within established credit risk tolerance.
- Prepare, deliver and participate in presentation to Management as required.
- Provide updates to commercial lending on commercial lending trends and activities.
- Proficient in underwriting various collateral types (including accounts receivable, inventory, and equipment), SBA guaranteed loans and various types of commercial real estate income and owner occupied properties, performing appraisal reviews, and the administration of construction or other disbursement budgets.
- Act as a control point in the loan approval process to ensure adherence to credit policies, procedures and loan covenants.
- Prepare and present loan presentations to management providing assessment and adequacy of proposed loan structure, risk rating and credit worthiness, policy exceptions and credit risk tolerance.
- Review and maintain the quality of the business loan portfolio by ensuring consistency of financial and industry data utilized in the credit analysis and approval process.
- Prepare and deliver and monitor reports required in the credit administration during the life cycle of business loans.
- Identify and contribute ideas to improve efficiency and work flow processes.
- Ensure confidentiality of all lending related matters.
- Be familiar with and follow all policies, procedures and processes which have been established in order to meet compliance requirements of all applicable federal regulations. The regulations include but are not limited to the Privacy Act, Office of Foreign Assets Control (OFAC), Bank Secrecy Act (BSA), Reg. CC and Patriot Act.
- Bachelor Degree in Accounting, Finance or Business Administration or a minimum of 5 years related experience.
- Self starter with the ability to work independently; multi-task and reprioritize objectives as needed
- Excellent interpersonal and communication skills, both oral and written
- 5 Days Ago
Senior Commercial Credit Analyst
- LGE Community Credit Union
-
Atlanta, GA
FULL_TIME
- What You'll Do:The primary purpose of this position is to assist LGE in living out its service mission, "Dedicated to our member's financial well being." To achieve this goal the employee must provide...
- 24 Days Ago
Mortgage Originator
- Credit Union of Georgia
-
Kennesaw, GA
FULL_TIME
- Job DescriptionAre you looking for a rewarding career with an organization that puts people first? Credit Union of Georgia is looking is growing our mortgage department and looking for talented mortga...
- 20 Days Ago
Mortgage Processor (On Site)
- ROBINS FINANCIAL CREDIT UNION
-
Warner, GA
FULL_TIME
- What You'll Do: Processes mortgage loans in a timely manner; order and review title searches, title opinions, appraisals, flood certificates, credit reports and all other related documents (i.e. - VOD...
- 4 Days Ago
Mortgage Servicer (On Site)
- ROBINS FINANCIAL CREDIT UNION
-
Warner, GA
FULL_TIME
- What You'll Do: Performs daily servicing activities to include mortgages paid in full, partial payment transactions, research requests, payment corrections, payoff requests, monitors mortgage general ...
- 4 Days Ago
Mortgage Loan Processor
- LGE Community Credit Union
-
Rome, GA
FULL_TIME
- What You'll DoThis position is responsible for the processing of mortgage loans from origination support to underwriting and on to closing. The Mortgage Loan Processor collects and analyzes necessary ...
- 16 Days Ago
Mortgage Credit Analyst jobs at Popular Companies
Bank Examiner - Hybrid (Open for Relocating Candidates)
- Comrise
-
Irving, TX
- Credit Risk Analyst/Bank Examiner Hybrid - 3 days office, 2 days remote Open for Relocating Candidates - can provide rel...
- 6/11/2024 12:00:00 AM
IT Funding Analyst
- StevenDouglas
-
Miami, FL
- Do you have incredible attention to detail? Are you looking to enter the Finance Sector? We have immediate opportunities...
- 6/11/2024 12:00:00 AM
Remote Sales Job Work From Home No Cold Calling
- Symmetry
-
Elmendorf, TX
- Remote Sales Job Work From Home No Cold Calling Must be authorized to work in the US, no work visas offered at this time...
- 6/11/2024 12:00:00 AM
Analyst, Epic Configuration
- Acrisure
-
Grand Rapids, MI
- Job Title: Analyst, Epic Configuration Department: Information Technology - Agency Broker Applications Location: Remote ...
- 6/11/2024 12:00:00 AM
Quantitative Analyst - Model Validation (IV&V)
- NuvoLogic Consulting
-
Washington, DC
- NuvoLogic Consulting is a management consulting company in the Northern Virginia area. We engage with public and private...
- 6/11/2024 12:00:00 AM
Wealth Relationship Manager (Hybrid)
- Citigroup
-
San Antonio, TX
- The Wealth Relationship Mgmt. Sr. Analyst SAFE Act is a seasoned professional role. Applies in-depth disciplinary knowle...
- 6/11/2024 12:00:00 AM
Quantitative Risk Analyst
- Angel Oak
-
Atlanta, GA
- Who We Are: Angel Oak Companies is a diversified financial services company specializing in asset management and non-age...
- 6/11/2024 12:00:00 AM
VP Commercial Underwriting - Affordable Housing
- Western Alliance Bancorporation
-
Phoenix, AZ
- Job Title: VP Commercial Underwriting - Affordable Housing Location: CityScape What you'll do: The VP- Commercial Underw...
- 6/11/2024 12:00:00 AM
About Georgia
Georgia is a state in the Southeastern United States.Beginning from the Atlantic Ocean, the state's eastern border with South Carolina runs up the Savannah River, northwest to its origin at the confluence of the Tugaloo and Seneca Rivers. It then continues up the Tugaloo (originally Tugalo) and into the Chattooga River, its most significant tributary. These bounds were decided in the 1797 Treaty of Beaufort, and tested in the U.S. Supreme Court in the two Georgia v. South Carolina cases in 1923 and 1989.
The border then takes a sharp turn around the tip of Rabun County, at latitude 35°N, thou...
Source: Wikipedia (as of 04/17/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$50,828 to $72,605
Most Popular Cities in Georgia for Mortgage Credit Analyst Jobs
What does a Mortgage Credit Analyst do?
Mortgage Credit Analyst in Lancaster, PA
Provide analytical support to residential mortgage loan trading and management team.
January 17, 2020
Mortgage Credit Analyst in Shreveport, LA
Become an expert on our internal credit and cash flow models.
January 27, 2020
Mortgage Credit Analyst in Brownsville, TX
The Mortgage Credit Analyst will work with loan officers, underwriters, closers, borrowers and referral sources to obtain accurate and timely loan information.
December 30, 2019