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)
The Sky Climber brand represents a multinational family of companies brought together to meet a variety of safe access needs across several business verticals. Through its various businesses, Sky Climber delivers products and services across several work-at-height industries including renewable energy, rentals, industrial and commercial.
Essential Duties and Responsibilities:
· Analyze and process credit applications to establish terms for new and existing customers.
· Maintain accounts receivable records to ensure aging is up to date, credits and collections are applied, uncollectible amounts are accounted for, and miscellaneous differences are cleared.
· Perform daily cash management duties, including the recording of bank deposits, updating and distribution of cash receipts logs and posting of cash to the accounts receivable sub-ledger.
· Prepare analytical and ratio analyses relevant to A/R so management can gain a better understanding of how collection efforts are progressing.
· Possess the ability to maintain positive relationships with customers (internal and external).
· Perform daily/weekly collection calls, review, and approve/deny orders.
· Regularly follow up on all overdue invoices, escalating issues as necessary.
· Work payment plans with customers based on account activity.
· Assist in streamlining the accounts receivable process by identifying areas for performance improvement.
· Perform other work-related duties as assigned.
Qualified candidates must possess the following:
· Strong written and oral communication skills
· Understanding of basic principles of finance, accounting, and bookkeeping
· Superb time management and detail orientation
· Experience in accounts receivable (or accounts payable)
· Experience in driving process improvements
· Capability to work in and synthesize data from multiple systems (QB, E2, Texada, NCS,)
· Results oriented with a natural sense of urgency.
Education/Experience
· Bachelor’s degree preferred.
· 3 years or more of Collection and Accounts Receivable experience is required.
· Intermediate/advanced knowledge of computer software including MS Excel, Word, and Outlook.
This is an onsite (in office) position.
Job Type: Full-time
Benefits:
Schedule:
Work Location: In person
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