Mortgage Credit Analyst jobs in Albany, OR

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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Senior Credit Analyst
  • WILLAMETTE VALLEY BANK
  • Salem, OR OTHER
  • Job Details

    Job Location:    Salem Branch - Salem, OR
    Salary Range:    Undisclosed

    Description

    Position Summary: The Credit Analyst assesses commercial loan risk in accordance with Bank policies, procedures and regulations.

     

    Key Responsibilities and Accountabilities:

    • Prepares credit presentations for loan approvals in accordance with the Bank’s loan policies.
    • Contacts customers for documentation. 
    • Spread and analyze relevant financial data, including tax returns/financial statements of businesses and personal guarantors including borrower prepared projections.
    • Identify potential areas of risk, assess repayment ability, examine cash flow (stand alone and global), and collateral adequacy.
    • Perform appraisal reviews and internal evaluations where applicable.
    • Perform appropriate market, industry and economic analysis as well as obtain credit reports on new and existing customers.
    • Assist in identifying loan policy exceptions during underwriting.
    • Aid with the training and development of less experienced credit analysts or loan officers.
    • Comply with and follow all applicable policies and procedures as well as governing laws and regulations. This includes but is not limited to: performing all assigned duties under the WVBK compliance programs and related laws and regulations. Successfully completing all mandatory compliance training as assigned in a timely manner.
    • Additional responsibilities as assigned.

     

    Knowledge, Skills and Abilities:

    • Strong knowledge and understanding of financial statements and tax returns.
    • Knowledge of credit policies, procedures, practices and documentation.
    • Basic understanding of collateral analysis and the appraisal review process.
    • Basic knowledge of commercial loan documentation and regulatory compliance requirement.
    • Knowledge of business relationships and business entity structures.
    • Ability to write concise financial analysis and credit approvals.
    • Good written and verbal communication skills.
    • Ability to interact with customers and explain document needs.
    • Ability to work effectively with individuals and teams.
    • Ability to multi-task, manage priorities, and meet deadlines.
    • Strong organizational and time management skills.
    • Ability to pay close attention to detail.
    • Ability to build and maintain positive and effective relationships with others.
    • Aptitude for self-development and learning.
    • Ability to analyze and comprehend financial data and to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.
    • Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
    • Ability to define problems, collect data, establish facts, and draw valid conclusions.
    • Ability to gather data from multiple sources, test assumptions, evaluate alternatives and make recommendations.

     

    Education and Experience:

    • Bachelor’s Degree in Accounting, Business or Finance (or equivalent experience)
    • 2 years of direct commercial credit analysis experience at a financial institution
    • 1 years of experience with both CRE and C&I underwriting

     

    Mental and Physical Effort:

    Decision making normally involves the ability to apply rules, regulations, policies and procedures to the work. 

    Guidance and direction may be available.

     

    Lifting equipment or files of 1-10 pounds on a regular basis, lifting equipment or boxes of 10-25 pounds on an occasion. Sits or stands for long periods of time working at a computer and typing.  Uses hands to handle controls or feel objects, tools or controls. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.

     

    Working Conditions:

    Works in a customer facing position in an office environment with minimal workplace hazards and low to moderate levels of noise.  May deal with customers or visitors to the workplace who may be upset or pose challenges.  Works during the day and during the week, may require occasional overtime. Occasional travel to other work sites, conferences, training or meetings may be required. 

    Qualifications


  • 1 Month Ago

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Financial Analyst
  • Oregon State Credit Union
  • Corvallis, OR FULL_TIME
  • Grow your career in financial services as a key contributor across our organization's financial management processes. Use your financial industry experience to grow your career at Oregon State Credit ...
  • 18 Days Ago

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Mortgage Loan Originator
  • USA Mortgage
  • Albany, OR FULL_TIME
  • DescriptionWho We AreAt DAS Acquisition Company, LLC. (USA Mortgage), our mission is the unrelenting pursuit of perfection. We pride ourselves on the superior level of service that our status as a mor...
  • 6 Days Ago

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Mortgage Loan Originator
  • GO Mortgage
  • Salem, OR FULL_TIME
  • Mortgage Loan Originators As a Loan Originator at GO, you’ll have everything you need to succeed and unlimited opportunities. Why Join GO- We live by our Values- Courageous, Collaborative, Considerate...
  • 9 Days Ago

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EMA Analyst I
  • Marion & Polk Schools Credit Union
  • Salem, OR FULL_TIME
  • DescriptionThe Enhanced Monitoring Accounts (EMA) department mitigates risk to the Credit Union by actively monitoring high-risk financial accounts for fraudulent activity. EMA is an innovative bankin...
  • 3 Days Ago

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Retail Branch Manager-Mortgage
  • AmeriSave Mortgage Company
  • Salem, OR FULL_TIME
  • Company DescriptionEstablished in 2002, AmeriSave Mortgage Corporation is one of the largest privately-owned online mortgage lenders in the nation.At AmeriSave, we understand that a mortgage is so muc...
  • 12 Days Ago

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0 Mortgage Credit Analyst jobs found in Albany, OR area

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Remote Regulatory Compliance Analyst (Insurance Industry)
  • National General Insurance
  • Salem, OR
  • Job Description Position/Title: Remote Regulatory Compliance Analyst (Insurance Industry) ** NOTES: Ideal candidate will...
  • 3/28/2024 12:00:00 AM

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Internal Revenue Agent - 12 Month Roster
  • Department Of The Treasury
  • Salem, OR
  • Duties WHAT IS THE LARGE BUSINESS AND INTERNATIONAL(LB&I)DIVISION? A description of the business units can be found at: ...
  • 3/28/2024 12:00:00 AM

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Internal Revenue Agent / Senior Revenue Agent (Examiner)-12 Month Roster AMENDED
  • Department Of The Treasury
  • Salem, OR
  • Duties WHAT IS THE LARGE BUSINESS AND INTERNATIONAL DIVISION? A description of the business units can be found at: https...
  • 3/28/2024 12:00:00 AM

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Internal Revenue Agent (Reviewer - Examiner) 12 MONTH ROSTER - AMENDED
  • Department Of The Treasury
  • Salem, OR
  • 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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Internal Revenue Agent (Examiner-Joint Committee Specialist) 12 MONTH ROSTER 'AMENDED'
  • Department Of The Treasury
  • Salem, OR
  • Duties WHAT IS THE LARGE BUSINESS & INTERNATIONAL (LB&I)DIVISION? A description of the business units can be found at: h...
  • 3/27/2024 12:00:00 AM

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Assistant Branch Manager
  • First Tech Federal Credit Union
  • Salem, OR
  • ** Assistant Branch Manager** **Job Category****:** Manager **Requisition Number****:** ASSIS05953 Showing 1 location **...
  • 3/24/2024 12:00:00 AM

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Branch Office Administrator
  • Edward Jones
  • Lebanon, OR
  • Would you call yourself a relationship builder, a problem solver or a critical thinker? If you answered yes, we need you...
  • 3/18/2024 12:00:00 AM

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Branch Office Administrator
  • Edward Jones
  • Albany, OR
  • Would you call yourself a relationship builder, a problem solver or a critical thinker? If you answered yes, we need you...
  • 3/18/2024 12:00:00 AM

Albany is the county seat of Linn County, and the 11th largest city in the State of Oregon. Albany is located in the Willamette Valley at the confluence of the Calapooia River and the Willamette River in both Linn and Benton counties, just east of Corvallis and south of Salem. It is predominantly a farming and manufacturing city that settlers founded around 1848. As of the 2010 United States Census, the population of Albany was 50,158. Its population was estimated by the Portland Research Center to be 51,583 in 2013. Albany has a home rule charter, a council–manager government, and a full-ti...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$50,949 to $72,773
Albany, Oregon area prices
were up 3.9% from a year ago

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