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)
Description
Are you looking for a rewarding career with a growing organization? Credit Union of Georgia is looking for a talented Credit Analyst to help our busy commercial lending department.
This is a new role created due to growth.
The credit analyst will review documentation for Commercial Loan applications and perform thorough analysis of financial and credit information to determine viability of request within the parameters of established policies and procedures and applicable regulatory guidance; analyzes balance sheets, personal financial statements, tax returns, income statements, cash flow statements, and other information using trend, ratio, leverage, projection, and stress techniques to determine adequacy of repayment sources; reviews appropriate documents to determine viability of proposed collateral, including appraisals and other evaluations, leases, title reports; takes the lead with the analysis of large and/or complex credits.
The diligent execution of this position is expected to contribute to the accomplishment of the department’s short and long-term goals.
Responsibilities
Requirements
Credit Union of Georgia is an equal opportunity employer.
No phone calls. No recruiters.
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