Mortgage Credit Analyst jobs in Pensacola, FL

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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Mortgage Loan Officer
  • Harvesters Credit Union
  • Cantonment, FL FULL_TIME
  • Harvesters Federal Credit Union

    Structured Compensation - Job Description

    Mortgage Loan Officer

    Data Year: 2020

    Prepared On: 04/15/2020

    ________________________________________

    Department: Mortgages Grade: 10

    Reports To: VP of Investments and Insurance Classification: Exempt

    Supervises Direct: 0 Supervises Indirect: 0

    Approved By: Bill Cox Effective Date: 07/21/2010

    Revised Date: 04/15/2020

    Role: To assist members with their mortgage lending needs: analyze loan requests and make credit decisions based on mortgage lending policy.

    Essential Functions & Responsibilities:

    E 35% Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet bank and regulatory standards. Approves or rejects loan application, or requests additional information. Establishes terms and conditions of an approved loan and reviews with member.

    E 25% Markets the Credit Union's mortgage lending program to companies and individuals within the real estate community.

    E 10% Evaluates acceptability of loan on secondary mortgage markets.

    N 10% Cross-sells other Credit Union services.

    N 5% Calls or visits members who are delinquent on their loan payment to bring loan current.

    N 5% Assembles documents in loan file, including acceptance or denial, and returns file mortgage clerk.

    N 5% Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.

    N 5% Performs other job-related duties as assigned.

    Performance Measurements:

    1. Ensure all loan decisions are made within the established time frame and in compliance with lending policies, procedures, rules, and regulations and have zero errors.

    2. Communicate loan decision to all involved parties within 24 hours of receipt of mortgage application file.

    3. Troubleshoot and resolve member and internal inquiries in a timely, friendly, accurate manner.

    4. Maintain a delinquency rate at or below .5% of loan portfolio.

    5. Maintain a charge-off rate at or below .2% of loan portfolio.

    6. Meet or exceed the minimum established individual goals each month.

    7. Develop and maintain knowledge of all mortgage products and rates within the credit union and from the mortgage industry.

    8. Communicate with mortgage operations staff to ensure smooth movement from applications to closing.

    Knowledge and Skills:

    Experience Two years to five years of similar or related experience.

    Education (1) A two year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.

    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 Must have good communication skills; 10-key calculator and keyboard skills required.

    Physical Requirements Ability to sit/stand and utilize computer workstation, including phones, keyboard and visual display monitor for extended periods of time.

    Work Environment Office with some local travel.

    Disclaimer:

    This Job Description is not a complete statement of all job duties and responsibilities comprising this position.

    -------------------------------------------------

    Printed Employee Name -------------------------------------------

    Date

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    Employee Signature

    Confidential Page: 2/ 2

    Job Type: Full-time

    Pay: $1.00 - $5.00 per hour

    Expected hours: No less than 40 per week

    Benefits:

    • 401(k)
    • Dental insurance
    • Health insurance
    • Life insurance
    • Opportunities for advancement
    • Paid time off
    • Referral program
    • Retirement plan
    • Vision insurance

    Compensation package:

    • Commission only

    Payment frequency:

    • Paid biweekly

    Work setting:

    • In-person
    • Office

    Education:

    • High school or equivalent (Required)

    Experience:

    • Mortgage Origination: 3 years (Required)

    Ability to Commute:

    • Cantonment, FL (Required)

    Ability to Relocate:

    • Cantonment, FL: Relocate before starting work (Required)

    Work Location: In person

  • 15 Days Ago

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Systems Analyst
  • Gulf Winds Credit Union
  • Pensacola, FL FULL_TIME
  • About Gulf Winds Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from ...
  • Just Posted

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Compliance Analyst II
  • Navy Federal Credit Union
  • Pensacola, FL FULL_TIME
  • Overview To review, research, analyze, and ensure that Navy Federal's marketing, advertising, other solicitation materials, policies, and procedures comply with all applicable laws and regulations. Re...
  • Just Posted

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Data Analyst IV
  • Navy Federal Credit Union
  • Pensacola, FL FULL_TIME
  • Overview Perform complex analytical and statistical modeling on large data sets to support various business operations and organizational objectives. Define data requirements, perform data collection,...
  • Just Posted

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Consumer Lending Systems Analyst
  • PEN AIR CREDIT UNION
  • Pensacola, FL FULL_TIME
  • Company Description Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re...
  • 13 Days Ago

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Mortgage Loan Originator
  • USA Mortgage
  • Fort Walton Beach, FL 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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0 Mortgage Credit Analyst jobs found in Pensacola, FL area

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Internal Revenue Agent - 12 Month Roster
  • Department Of The Treasury
  • Pensacola, FL
  • Duties WHAT IS THE LARGE BUSINESS AND INTERNATIONAL(LB&I)DIVISION? A description of the business units can be found at: ...
  • 3/28/2024 12:00:00 AM

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Internal Revenue Agent / Senior Revenue Agent (Examiner)-12 Month Roster AMENDED
  • Department Of The Treasury
  • Pensacola, FL
  • 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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LensCrafters - EyeCare Advisor
  • EssilorLuxottica
  • Pensacola, FL
  • Requisition ID: 837905 Store #: 000481 LensCrafters Position:Full-Time Total Rewards: Benefits/Incentive Information At ...
  • 3/28/2024 12:00:00 AM

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Home Site Acquisition Analyst
  • Adams Homes
  • Pensacola, FL
  • At Adams Homes, we like to create win-win situations for our employees, craftsmen, and our clients. Since 1991, our succ...
  • 3/27/2024 12:00:00 AM

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Executive Director - Financial Operations
  • Baptist Health Care
  • Pensacola, FL
  • Job Description The Executive Director - Finance provides management with key strategic information on assigned business...
  • 3/27/2024 12:00:00 AM

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

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Internal Revenue Agent (Reviewer - Examiner) 12 MONTH ROSTER - AMENDED
  • Department Of The Treasury
  • Pensacola, FL
  • Duties WHAT IS THE WHISTLEBLOWER OFFICE (WBO) DIVISION? A description of the business units can be found at: https://www...
  • 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
  • Pensacola, FL
  • 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

Pensacola (/ˌpɛnsəˈkoʊlə/) is the westernmost city in the Florida Panhandle, approximately 13 miles (21 km) from the border with Alabama, and the county seat of Escambia County, in the U.S. state of Florida. As of the 2010 census, the city had a total population of 51,923, down from 56,255 at the 2000 census. Pensacola is the principal city of the Pensacola metropolitan area, which had an estimated 461,227 residents in 2012. Pensacola is a sea port on Pensacola Bay, which is protected by the barrier island of Santa Rosa and connects to the Gulf of Mexico. A large United States Naval Air Statio...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$47,261 to $67,505
Pensacola, Florida area prices
were up 1.5% from a year ago

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