Mortgage Credit Analyst jobs in the United States

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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Commercial Mortgage Credit Analyst
  • U.S. Bank National Association
  • Brea, CA FULL_TIME
  • At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

    Job Description

    The Commercial Mortgage Credit Analyst supports Relationship Managers and Portfolio Managers to manage assigned customer relationships and credit submissions.

    Responsibilities will include but are not limited to: Preparing accurate and consistent financial statements spreads, trend analyses, monitoring reports and covenant tests in accordance with bank spreading standards and credit policies. Analyzing financial data and preparing comprehensive written analyses, analyzing client portfolio credit quality and assisting with industry sector reviews, assisting Portfolio Managers in preparing and presenting credit requests for Credit Approval. Maintaining a database that tracks open credit submissions and receipt of customer’s financial reporting requirements.

    Basic Qualifications
    - Bachelor's degree, or equivalent work experience
    - One to three years of experience in a finance/analytical related role

    Preferred Skills/Experience
    - Background in economics, accounting, and/or finance and ability to apply knowledge in those areas to understanding the overall lending and business environment
    - Effective analytical and technical report writing skills
    - Effective verbal and written communication skills
    - Ability to work independently performing financial analyses as a first line of defense and communicate potential issues

    The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

    If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

    Benefits: 

    Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

    • Healthcare (medical, dental, vision)

    • Basic term and optional term life insurance

    • Short-term and long-term disability

    • Pregnancy disability and parental leave

    • 401(k) and employer-funded retirement plan

    • Paid vacation (from two to five weeks depending on salary grade and tenure)

    • Up to 11 paid holiday opportunities

    • Adoption assistance

    • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

    EEO is the Law

    U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS EEO poster.  

    E-Verify

    U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

    The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $83,980.00 - $98,800.00 - $108,680.00

    Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.
  • 13 Days Ago

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Commercial Mortgage Credit Analyst
  • U.S. Bank National Association
  • Brea, CA FULL_TIME
  • At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succee...
  • 13 Days Ago

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Mortgage Credit Analyst
  • IBC Bank
  • Austin, TX FULL_TIME
  • IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and commu...
  • 2 Months Ago

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Mortgage Quality Analyst
  • Ascend Federal Credit Union
  • Tullahoma, TN OTHER
  • About Us Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership,...
  • 4 Days Ago

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Mortgage Resource Analyst
  • Scott Credit Union
  • Edwardsville, IL FULL_TIME
  • Scott Credit Union is looking to hire a full-time Mortgage Resource Analyst to join our amazing Mortgage team in our Edwardsville home office. This position will be onsite Monday thru Friday normal bu...
  • Just Posted

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Mortgage Data Analyst II
  • First Technology Federal Credit Union
  • Hillsboro, OR FULL_TIME
  • The Mortgage Data Analyst II analyzes mortgage data for anomalies, trends, and opportunities for improvement. Here's what you can expect from the job and what you need to be successful: Job Duties: Dr...
  • 2 Months Ago

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Patient Financial Services Representative I
  • The Ohio State University
  • Columbus, OH
  • Screen reader users may encounter difficulty with this site. For assistance with applying, please contact hr-accessiblea...
  • 5/9/2024 12:00:00 AM

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Associate Specialist, EMEA Product Regulatory Compliance - A&F Co.
  • Abercrombie & Fitch Company
  • Columbus, OH
  • #xa 0;Partner closely with regulatory service providers to stay apprised of all emerging regulations in the EMEA region ...
  • 5/9/2024 12:00:00 AM

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(Non-IT) Customer Service - Financial Services Representative
  • Pyramid Consulting, Inc.
  • Columbus, OH
  • Immediate need for a talented Customer Service - Financial Services Representative. This is a 06+ Months contract opport...
  • 5/9/2024 12:00:00 AM

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Senior Tax Manager (Remote/CPA/Accounting)
  • GateSource HR
  • Columbus, OH
  • Job Description A client in metro Atlanta is looking to add a Senior Tax Manager to their team. This company is a fast-g...
  • 5/9/2024 12:00:00 AM

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Sales Strategy Support Analyst II
  • JPMorgan Chase
  • Columbus, OH
  • As a Sales Strategy Support Analyst II you will be an internal consultant that works across Home Lending Channels to dri...
  • 5/8/2024 12:00:00 AM

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Sr Financial Analyst
  • Experis
  • Columbus, OH
  • Our client, in the Utility Industry, is seeking a Sr Project Valuation Analyst to join their team. Job Title: Project Va...
  • 5/8/2024 12:00:00 AM

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Senior Financial Operations Specialist
  • Safelite Group, Inc.
  • Columbus, OH
  • Does this position interest you? You should apply - even if you don't match every single requirement! We're known as an ...
  • 5/7/2024 12:00:00 AM

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Associate, Production M&A
  • ORIX USA
  • Columbus, OH
  • Purpose and Job Summary Lument provides comprehensive capital solutions for multifamily, affordable, seniors and health ...
  • 5/6/2024 12:00:00 AM

Income Estimation for Mortgage Credit Analyst jobs
$52,431 to $74,889