Mortgage Credit Analyst jobs in Baton Rouge, LA

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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CREDIT ANALYST
  • Citizens Bank & Trust Co
  • Baton Rouge, LA FULL_TIME
  • Description

    Summary

    The Credit Analyst is responsible for analyzing and monitoring the credit worthiness of the Bank’s customers. This position reviews financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. The Credit Analyst maintains and monitors these customer relationships as it relates to the health and stability of the bank’s loan portfolio.


    Essential Functions

    • Obtains loan request documentation from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan.
    • Builds commercial credit files and loan packages including borrower financial documentation, appraisal ordering, appraisal review, credit memo and financial projections as well as information necessary to complete loan package requirements.
    • Monitors commercial loan maturities and coordinates the underwriting of these loan maturities with the respective lenders.
    • Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender.
    • Requests and obtains financial statements from existing borrowers.
    • Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions. Prepares or assists in the preparation of loan memorandum for presentation to lenders and/or loan committee.
    • Assists lenders with calls on past-due loans as assigned by senior management with the bank’s loan portfolio.
    • Updates collateral values on delinquent loans as needed.
    • Monitors risk ratings on loans to ensure proper classification of credit quality during the life of a loan.
    • Generates quarterly updates to Watch List loans and updates Watch List report for monthly board and loan committee meetings.
    • Coordinates collection efforts on classified loans.
    • Assists in compiling data for management reporting, such as loan portfolio analysis.
    • Prepares and distributes residential mortgage loan rates weekly and monthly.
    • Prepares and distributes maturing loan reports monthly and prepares reports for monthly Board Loan Committee meetings.
    • Assembles packet for monthly Board of Directors meetings (coordinates assembly of board packet with all parties involved)
    • Completes all required annual compliance training including BSA.


    Requirements

    Qualifications

    Education

    • Bachelor’s degree in business, or equivalent combination of education and banking experience.

    Training and Experience

    • Excellent verbal and written communication skills
    • Proficiency in Microsoft Office products and internet applications.
    • Ability to conduct complex financial analysis, use spreadsheet software tools, and effectively communicate finds to loan officers and senior management.
    • Effective organizational and time-management skills; must be able to manage multiple projects and priorities.
    • Strong attention to detail and ability to notice discrepancies in data.


    Physical Demands

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


    While performing the duties of this job, the employee is required to stand; walk; sit; reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Work involves extensive use of computers and may include occasional pushing, pulling or carrying objects weighing up to 25 pounds. Must be able to speak clearly and hear and understand normal conversations in person and over the phone. The noise level in the work environment is usually moderate.


    Expected Hours of Work

    This is a full-time position, and the normal hours of work and days are Monday through Friday, 8:00 a.m. to 5:00 p.m. Occasionally, the job may require evenings and week-end work to meet deadlines.


    Travel

    This position will be based at a specific bank location. Travel between branch locations and to client offices will be required and will primarily occur during the normal workday. Some out-of-the-area and overnight travel for conferences may be expected. 


    Equal Opportunity Employer/Veterans/Disabled



  • 1 Month Ago

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Credit Analyst I, II or III
  • First Guaranty Bank
  • Hammond, LA FULL_TIME
  • Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. W...
  • 23 Days Ago

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Mortgage Marketing Assistant
  • Canopy Mortgage
  • Gonzales, LA FULL_TIME
  • We are in need of a motivated Marketing Assistant to join our fast-paced, high-volume team. Your primary responsibility will be to assist and promote the loan officer by managing successful marketing ...
  • 1 Month Ago

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Mortgage Loan Originator
  • Motto Mortgage Matters
  • Gonzales, LA FULL_TIME
  • We are seeking an experienced mortgage loan officer with strong marketing, communication, and analysis skills to join our team and assist loan applicants in securing the ideal mortgage for their new h...
  • 16 Days Ago

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Mortgage Loan Originator Assistant
  • The Mortgage Firm, Inc.
  • Baton Rouge, LA FULL_TIME
  • We're searching for a detail-oriented mortgage loan officer assistant. This position will play a vital part in communicating with referral partners, current and past clients, real estate agents, lende...
  • Just Posted

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Credit Intern
  • First Guaranty Bank
  • Hammond, LA INTERN
  • Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. W...
  • Just Posted

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0 Mortgage Credit Analyst jobs found in Baton Rouge, LA area

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Internal Revenue Agent / Senior Revenue Agent (Examiner)-12 Month Roster AMENDED
  • Department Of The Treasury
  • Baton Rouge, LA
  • 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 (Special Enforcement Program - Examiner) 12 MONTH ROSTER (Amended)
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE SMALL BUSINESS/SELF EMPLOYED (SBSE) DIVISION? A description of the business units can be found at: ht...
  • 3/27/2024 12:00:00 AM

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Internal Revenue Agent (Examiner) 12 MONTH ROSTER (AMENDED)
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE LARGE BUSINESS & INTERNATIONAL (LB&I) DIVISION? A description of the business units can be found at: ...
  • 3/27/2024 12:00:00 AM

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Internal Revenue Agent (Examiner) - (Temp NTE 1 Year, MBE, MBMP) 12 MONTH ROSTER (AMENDED)
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE SMALL BUSINESS/SELF EMPLOYED (SB/SE)DIVISION? A description of the business units can be found at: ht...
  • 3/27/2024 12:00:00 AM

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Internal Revenue Agent (Fed State Local Gvmt Spec - Examiner) 12 MONTH ROSTER AMENDED
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE TAX EXEMPT & GOVERNMENT ENTITIES (TE/GE) DIVISION? A description of the business units can be found a...
  • 3/27/2024 12:00:00 AM

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Internal Revenue Agent/ Senior Revenue Agent (Examiner)- (6 Month Roster) - Amended
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE LARGE BUSINESS AND INTERNATIONAL (LBI) DIVISION? A description of the business units can be found at:...
  • 3/27/2024 12:00:00 AM

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Internal Revenue Agent/ Senior Revenue Agent (Examiner)- (12 Month Roster)- Amended
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE LARGE BUSINESS AND INTERNATIONAL (LBI) DIVISION? A description of the business units can be found at:...
  • 3/27/2024 12:00:00 AM

D
Internal Revenue Agent (Examiner) - 12 MONTH ROSTER
  • Department Of The Treasury
  • Baton Rouge, LA
  • Duties WHAT IS THE SMALL BUSINESS/SELF-EMPLOYED (SB/SE) DIVISION? A description of the business units can be found at: h...
  • 3/27/2024 12:00:00 AM

Baton Rouge (/ˌbætən ˈruːʒ/ BAT-ən ROOZH; from French bâton rouge [bɑtɔ̃ ʁuʒ] (listen), meaning 'red stick') is the capital of the U.S. state of Louisiana. Located on the eastern bank of the Mississippi River, it is the parish seat of East Baton Rouge Parish, the most populous parish in Louisiana. It is the 99th most populous city in the United States, and second-largest city in Louisiana after New Orleans. It is also the 16th most populous state capital. As of the U.S. Census Bureau's July 2017 estimate, Baton Rouge had a population of 227,549, down from 229,493 at the 2010 census. Baton Rou...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$49,025 to $70,024
Baton Rouge, Louisiana area prices
were up 1.2% from a year ago

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