Mortgage Credit Analyst jobs in Birmingham, AL

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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Ascentium Credit Analyst
  • Regions
  • Birmingham, AL FULL_TIME
  • Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

    Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.

    Job Description:
    At Ascentium Capital, the Credit Analyst is responsible for evaluating commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers.

    Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct to businesses nationwide. Our finance specialization covers several segments, including technology, healthcare, hospitality, franchise, commercial vehicles, and other markets. We strive to be the premier provider of customized finance programs that add value to our customers' businesses.

    Primary Responsibilities
    Reviews and analyzes credit information in order to make appropriate credit decisions within established policies and regulations
    Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis to accordance with established business processes and to assist the origination channels in achieving business goals and objectives
    Orders and reviews loan documentation and researches any issues as needed
    Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed
    Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
    Works with the senior executives on all business opportunities and issues related to credit policies and credit decisions
    Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues
    Works in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards
    Works with either close supervision or under clearly defined procedures

    This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

    This position is incentive eligible.

    Requirements
    Bachelor’s degree in Business Administration, Finance, or related field
    One (1) year of experience in commercial/bank underwriting or related experience

    Preferences
    Experience with Fair Isaac credit models
    Experience in formal bank underwriting training

    Skills and Competencies
    Ability to manage multiple priorities
    Ability to learn additional systems as needed
    Ability to research, analyze data, and derive facts
    Ability to work in a team environment when applicable
    Ability to work under pressure and meet deadlines
    Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
    Strong attention to detail and proof-reading skills
    Strong skills in calculating financial ratios
    Strong understanding of personal and business credit reports
    Strong verbal, written communication, and organizational skills
    Strong work ethic and self-motivation

    This opportunity may be filled at a higher level based on skills and qualifications

    Position Type Full time

    Compensation Details
    Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.

    The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.

    Job Range Target:
    Minimum: $54,542.29 USD
    Median: $84,859.50 USD
    Incentive Pay Plans: This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.

    Benefits Information
    Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
    Paid Vacation/Sick Time
    401K with Company Match
    Medical, Dental and Vision Benefits
    Disability Benefits
    Health Savings Account
    Flexible Spending Account
    Life Insurance
    Parental Leave
    Employee Assistance Program
    Associate Volunteer Program

    Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions’ benefits, please click or copy the link below to your browser.

    https://www.regions.com/welcometour/benefits.rf

    Location Details Ascentium Kingwood
    Location: Kingwood, Texas

    Bring Your Whole Self to Work

    We have a passion for creating an inclusive environment that promotes and values diversity of race, color, national origin, religion, age, sexual orientation, gender identity, disability, veteran status, genetic information, sex, pregnancy, and many other primary and secondary dimensions that make each of us unique as individuals and provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where everyone, regardless of background, can do their best work is the right thing to do.

    OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans

    Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.
  • 3 Days Ago

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Mortgage Loan Originator
  • USA Mortgage
  • Trussville, AL 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...
  • 7 Days Ago

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Mortgage Consultant
  • Prosperity Home Mortgage, LLC
  • Birmingham, AL FULL_TIME
  • Job Summary: Under the general supervision of an Area Manager, the Mortgage Consultant is responsible for advising new and existing clients on residential mortgage programs obtained from various sourc...
  • 24 Days Ago

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Mortgage Consultant
  • Prosperity Home Mortgage, LLC
  • Birmingham, AL FULL_TIME
  • Job Summary: Under the general supervision of an Area Manager, the Mortgage Consultant is responsible for advising new and existing clients on residential mortgage programs obtained from various sourc...
  • Just Posted

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Loan specialist
  • Churchill Mortgage
  • Birmingham, AL FULL_TIME
  • Why Churchill Mortgage? We provide our Loan Officers the systems and processes that allow them to close more loans, faster and with the highest customer service ratings. Our Operations Team truly take...
  • 2 Days Ago

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Loan Officer - Birmingham and Huntsville, AL
  • Benchmark Mortgage
  • Birmingham, AL FULL_TIME
  • Position Overview:With relationships as one of Benchmark’s core values, building and maintain relationships with the goal of sourcing loan applications will be the primary focus of our loan officers. ...
  • 1 Month Ago

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0 Mortgage Credit Analyst jobs found in Birmingham, AL area

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Financial Advisor
  • Prudential Financial
  • Birmingham, AL
  • We are looking for Experienced Advisors to join our Team at Southern Financial Group! You've built a successful practice...
  • 3/28/2024 12:00:00 AM

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Director of Risk Management
  • Talent Recruiting Partners
  • Birmingham, AL
  • Talent Recruiting Partners is thrilled to collaborate with our Birmingham-based client in their search for a highly qual...
  • 3/28/2024 12:00:00 AM

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Supervisor, Residential Market Development
  • SPECTRUM
  • Birmingham, AL
  • JOB SUMMARY Supervise the daily operations of a geographically assigned sales team that sells to our residential custome...
  • 3/28/2024 12:00:00 AM

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Finance & Accounting Manager
  • Aegis Worldwide
  • Birmingham, AL
  • Job Description Job Description A prominent manufacturing company in the Greater Birmingham, Alabama area is seeking a F...
  • 3/28/2024 12:00:00 AM

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Financial Center Manager
  • Citizens Trust Bank
  • Birmingham, AL
  • Job Description Job Description Celebrating over 100 years in the community, Citizens Trust Bank remains committed to pr...
  • 3/27/2024 12:00:00 AM

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Finance Manager
  • Möllertech USA LLC
  • Birmingham, AL
  • Job Description Job Description Finance Manager - Person must be willing to relocate to Woodstock, AL Finance Manager Mo...
  • 3/26/2024 12:00:00 AM

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Financial Analyst
  • American Process Management
  • Birmingham, AL
  • Job Description Job Description American Process Management (APM) is hiring a Financial Analyst to support projects in B...
  • 3/26/2024 12:00:00 AM

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Revenue Officer
  • Snelling BHAM
  • Birmingham, AL
  • Job Description Job Description Snelling is currently recruiting for a Revenue Officer for an amazing company in the Hom...
  • 3/26/2024 12:00:00 AM

Birmingham (/ˈbɜːrmɪŋhæm/ BUR-ming-ham) is a city located in the north central region of the U.S. state of Alabama. With an estimated 2017 population of 210,710, it is the most populous city in Alabama. Birmingham is the seat of Jefferson County, Alabama's most populous and fifth largest county. As of 2017, the Birmingham-Hoover Metropolitan Statistical Area had a population of 1,149,807, making it the most populous in Alabama and 49th-most populous in the United States. Birmingham serves as an important regional hub and is associated with the Deep South, Piedmont, and Appalachian regions ...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$49,233 to $70,322
Birmingham, Alabama area prices
were up 1.3% from a year ago

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Analysts benefit from on-the-job training, online development tools and a culture that encourages continuing education.
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Become an expert on our internal credit and cash flow models.
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