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)
Role:
To assist the Credit Union in achieving its Service Mission to deliver Total Member Delight in each and every service interaction with both internal and external members. A key component of this external service is to identify the financial needs of each member and recommend an effective credit union product solution. In addition will provide mortgage and home equity lending information to members.
Responsibilities:
Knowledge & Skills:
Experience: Six months to two years of similar or related experience.
Education: A high school education or GED.
Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.
Other Skills:
Position Type: Full Time
Hours: 40 hours per week
Location: Malone, but will travel to other branches as needed.
Current Schedule: Monday - Thursday 8a-5p, Friday 8a-5p or 9a-6p on a rotating basis, and Saturday 9a-12p on a rotating basis
Pay Range: $18.59 - $23.24 per hour
Actual starting salary will be determined based on skills, experience (to the extent relevant) and other job-related factors, consistent with applicable law.
Benefits:
Paid Time Off
Paid Holidays
401K Plan
Medical
Dental
Vision
Free Telehealth Urgent Care
Free Telehealth Mental Health Counseling
Flexible Spending Account Option
Life Insurance
Dependent and Spouse Life Insurance Options
Short Term Disability Insurance
Long Term Disability Insurance
Pet Insurance
Aflac Insurance Options
Legal/ID Shield Options
Employee Referral Program
Paid Volunteer Day
Employee Loan Discounts
SeaComm is an Equal Opportunity/Affirmative Action Employer. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
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