Mortgage Credit Analyst ( San Diego, CA) at LendSure Mortgage Corp. in San Diego, CA, USA

Job description

• The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers.

Responsibilities

• Review and analyze documentation provided on each loan for pre-qualification, ensuring meets LendSure guidance.
• Prep and submit files for initial disclosures
• Review documentation, prep, and submit files for initial Underwriting approval.
• Ability to review and complete complex tax return analysis.
• Ability to perform duties under minimal supervision and actively engage with the supervisor to resolve complicated issues
• Ability to review and clear high-level conditions within the authority.
• Ability to communicate effectively in both verbal and written form
• Must be a detail-oriented team player able to work constructively with fellow employees.
• partnering with underwriting team, doc and funding department, Quality Control and Senior Management
• Strong time management skills to plan and organize a high daily loan volume
• Understanding of Account Manager role and provide support as needed.

Requirements

• 2 years underwriting experience, Non-QM preferred.
• 3 years processing experience preferred.
• Rendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker.
• Strong knowledge of underwriting terminology.
• Strong attention to detail and accuracy.
• Strong written and verbal communication skills with the ability to talk with brokers and Loan Officers.
• In-depth knowledge of the real estate industry and current trends.
• Understanding how to read guidelines.
• Working knowledge of Encompass Loan Origination System preferred

Skills

Required

• Underwriting
• Credit analysis
• Documentation review
• Tax return analysis
• Communication (verbal and written)
• Attention to detail
• Time management
• Teamwork
• Knowledge of underwriting terminology
• Ability to read guidelines

Preferred

• Non-QM experience
• Processing experience
• Encompass Loan Origination System