Mortgage Credit Analyst jobs in Alabama

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
  • 2 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...
  • 3 Days Ago

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Credit Analyst
  • Farm Credit Council
  • Cullman, AL FULL_TIME
  • Summary 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 i...
  • 10 Days Ago

F
Credit Analyst
  • Farm Credit Network
  • Cullman, AL FULL_TIME
  • Summary 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 i...
  • 10 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...
  • 2 Days Ago

F
Credit Analyst
  • First South Farm Credit, ACA
  • Cullman, AL FULL_TIME
  • Summary 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 i...
  • 10 Days Ago

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Senior Data Architect
  • Clayton
  • About The Team This role will work within our Vanderbilt Mortgage & Finance business unit, consisting of the Origination...
  • 3/28/2024 12:00:00 AM

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Technical System Analyst
  • Technology Ventures
  • McLean, VA
  • Must Haves: 5-7 Years of professional experience. This is a technical Product Analyst position requiring least some work...
  • 3/28/2024 12:00:00 AM

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Financial Analyst
  • PHOENIX
  • Denver, CO
  • Essential Duties & Responsibilities: Perform mortgage servicing portfolio modeling and analysis Communicate directly wit...
  • 3/28/2024 12:00:00 AM

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Counterparty Credit Risk Analyst
  • Taurus Search
  • New York, NY
  • My client is a brokerage firm seeing a Credit Risk Analyst at the VP level. This position involves overseeing credit ris...
  • 3/28/2024 12:00:00 AM

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Finance Operations Analyst
  • Cantor Fitzgerald
  • Jacksonville, FL
  • Job Title: Operations Analyst Location: Jacksonville, Florida, in office 3 days a week Firm Overview: Cantor Fitzgerald ...
  • 3/28/2024 12:00:00 AM

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Commercial Insurance Analyst II - Commercial Real Estate Finance
  • Northmarq
  • Minneapolis, MN
  • Commercial Insurance Analyst II - Commercial Real Estate Finance Northmarq - Minneapolis, MN (Bloomington, MN) At Northm...
  • 3/28/2024 12:00:00 AM

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IT Controls Analyst (onsite; contract-to-hire)
  • Peyton Resource Group
  • Arlington, TX
  • 3 Month Contract-to-Hire Salary Conversion $60-80K, DOE Arlington, TX (onsite to begin) SUMMARY: The IT Controls Analyst...
  • 3/28/2024 12:00:00 AM

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Loan Processing Support Analyst
  • Insight Global
  • Dallas, TX
  • Client is looking for a Loan Processing Support Analyst in Dallas, TX. On site M-F Must-haves 3+ years experience in mor...
  • 3/28/2024 12:00:00 AM

Alabama (/ˌæləˈbæmə/) is a state in the southeastern region of the United States. It is bordered by Tennessee to the north, Georgia to the east, Florida and the Gulf of Mexico to the south, and Mississippi to the west. Alabama is the 30th largest by area and the 24th-most populous of the U.S. states. With a total of 1,500 miles (2,400 km) of inland waterways, Alabama has among the most of any state. Alabama is nicknamed the Yellowhammer State, after the state bird. Alabama is also known as the "Heart of Dixie" and the "Cotton State". The state tree is the longleaf pine, and the state flower is...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$47,924 to $68,452

Mortgage Credit Analyst in Lancaster, PA
Provide analytical support to residential mortgage loan trading and management team.
January 17, 2020
Mortgage Credit Analyst in Shreveport, LA
Become an expert on our internal credit and cash flow models.
January 27, 2020
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