Mortgage Credit Analyst jobs in Columbus, GA

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
  • Farm Credit Network
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth interpretation of the applicant's financial information with a focus on owners' equity, working capital, and debt coverage to determine the short and long-term viability of the loan request. Prior experience in tax document preparation translates well in this position. The analyst will analyze the overall risk to the Association by utilizing those ratios and our potential collateral position to help the branch determine the best route forward on all loan requests.



    Responsibilities/Duties
    • Obtains and assembles information provided by the loan officer into a coherent and comprehensive loan package.
    • Uses provided financial information to determine potential risks to the company and applicant credit worthiness.
    • Analyzes financial statements, tax returns, and profit and loss statements for any individual or business associated with the loan request.
    • Processes and prepares underwriting analysis for authorized credit personnel to make credit decisions, under direction of the Credit Analysis Manager.
    • Maintains and makes recommendations on loan underwriting standards and procedures.
    • Studies and researches the economic lending environment and the industries financed by the Association.


    Education/Experience/Knowledge
    • Bachelor's degree in Accounting, Finance, Business, or Economics.
    • Two to five years of credit analysis and/or tax return work experience preferred.
    • Experience in tax document preparation highly preferred, but not required.
    • Solid knowledge of computers, Microsoft Excel, and related software.


    Required Skills/Abilities
    • Strong analysis, judgment, and communication (oral and written) skills.
    • Problem solving skills and ability to work in a team atmosphere.
    • High level of efficiency, accuracy, and responsibility.
    • Motivated with a strong desire to take on new challenges and learn.
    • Ability to handle frequent changes, delays, or unexpected events.
    • Regularly exercises discretion and independent judgment.
    • Self-starter and ability to be assertive and arrive at sound business decisions.
    • Demonstrates initiative and can work responsibly with minimal supervision.


    Leadership and advancement opportunities are available to analysts who display a thorough understanding of company policies, communicate clearly and effectively throughout the loan approval process, and adequately develop their knowledge of farm and nonfarm industries.



    More experienced hires have an elevated ability to transition to team leaders within the department. Team leaders require exceptional analytical skills, as well as team-oriented focus to help improve the department. These individuals would be given minor internal supervisory responsibilities to oversee the daily workload of a team of 1-3 junior analysts, as well as serve as their primary point of contact for questions.



    Benefits of being part of the First South team include:
    • Competitive pay
    • Personal development
    • Paid vacation, sick leave, and holidays
    • Medical insurance
    • Dental and vision care
    • Flexible spending accounts
    • Health savings accounts
    • 401(k) with employer matching
    • Disability and life insurance
    • Incentive plan
  • 3 Days Ago

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Credit Analyst
  • Farm Credit Council
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth interpret...
  • 4 Days Ago

F
Credit Analyst
  • First South Farm Credit, ACA
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of complex loan requests up to multi-million-dollar. The analysis includes an in-depth interpret...
  • 3 Days Ago

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Credit Analyst Trainee
  • Farm Credit Network
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of loan requests up to 250K. The analysis includes an in-depth interpretation of the applicant's...
  • 3 Days Ago

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Credit Analyst Trainee
  • Farm Credit Council
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of loan requests up to 250K. The analysis includes an in-depth interpretation of the applicant's...
  • 4 Days Ago

F
Credit Analyst Trainee
  • First South Farm Credit, ACA
  • Opelika, AL FULL_TIME
  • The holder of this position will develop and analyze all types of credit information with a large range of loan requests up to 250K. The analysis includes an in-depth interpretation of the applicant's...
  • 3 Days Ago

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0 Mortgage Credit Analyst jobs found in Columbus, GA area

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Machining Team Member 1st shift (onsite)
  • RTX
  • Columbus, GA
  • Date Posted: 2024-03-11 Country: United States of America Location: PW103: Columbus GA 8801 Macon Road, PO Box 9903, Col...
  • 3/29/2024 12:00:00 AM

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Machining/MCL Team Member 2nd/2nd AWW onsite
  • RTX
  • Columbus, GA
  • Date Posted: 2024-02-06 Country: United States of America Location: PW103: Columbus GA 8801 Macon Road, PO Box 9903, Col...
  • 3/29/2024 12:00:00 AM

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Quality Inspection Team Member-2nd shift onsite
  • RTX
  • Columbus, GA
  • Date Posted: 2024-03-04 Country: United States of America Location: PW103: Columbus GA 8801 Macon Road, PO Box 9903, Col...
  • 3/29/2024 12:00:00 AM

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Quality Inspection Team Member 3rd shift (onsite)
  • RTX
  • Columbus, GA
  • Date Posted: 2024-03-12 Country: United States of America Location: PW103: Columbus GA 8801 Macon Road, PO Box 9903, Col...
  • 3/29/2024 12:00:00 AM

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Financial Representative
  • Modern Woodmen of America
  • Columbus, GA
  • The ideal candidate will deliver personalized investment solutions to help clients work toward their long-term financial...
  • 3/26/2024 12:00:00 AM

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Financial Representative
  • Modern Woodmen of America
  • LaGrange, GA
  • The ideal candidate will deliver personalized investment solutions to help clients work toward their long-term financial...
  • 3/26/2024 12:00:00 AM

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Assistant Vice President, Philanthropy
  • Auburn University
  • Auburn, AL
  • Position Details Position Information Requisition Number S3280P Home Org Name Senior VP-Advancement Division Name Senior...
  • 3/25/2024 12:00:00 AM

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Finance and Accounting Analyst Catalent
  • ResourceMFG
  • Columbus, GA
  • summary ResourceMFG is Hiring for Finance and Accounting Analyst for Catalent Pharmacueticals. The position is responsib...
  • 3/24/2024 12:00:00 AM

Columbus is one of Georgia's three Fall Line Cities, along with Augusta and Macon. The Fall Line is where the hilly lands of the Piedmont plateau meet the flat terrain of the coastal plain. As such, Columbus has a varied landscape of rolling hills on the north side and flat plains on the south. The fall line causes rivers in the area to decline rapidly towards sea level. Textile mills were established here in the 19th and early 20th centuries to take advantage of the water power from the falls. Columbus was developed along the Chattahoochee River. Interstate 185 runs east of the city, with acc...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$47,442 to $67,764
Columbus, Georgia area prices
were up 1.5% from a year ago

Mortgage Credit Analyst in Cleveland, OH
Analysts benefit from on-the-job training, online development tools and a culture that encourages continuing education.
November 27, 2019
Mortgage Credit Analyst in Brownsville, TX
The Mortgage Credit Analyst will work with loan officers, underwriters, closers, borrowers and referral sources to obtain accurate and timely loan information.
December 30, 2019
Mortgage Credit Analyst in Shreveport, LA
Become an expert on our internal credit and cash flow models.
January 27, 2020