Mortgage Credit Analyst jobs in Kentucky

Job Summary:
We are seeking a skilled Credit Analyst to join our team. As a Credit Analyst, you will be responsible for assessing the creditworthiness of individuals and businesses applying for loans or credit.

Job Functions

· Track documentation, ensuring we have timely and sufficient information on hand, such as tax returns, personal financial statements, etc.

· Communicate with members to collect updated financial information.

· Work closely with commercial lending department to complete underwriting for new loan requests.

· Analysis of financial documents provided as it pertains to loan being requested.

· Perform functions pertaining to MBL Underwriting in Desco’s central lending software program, Suntell. This includes but is not limited to: completing spreads of tax returns and financial statements, entering loan data, and constructing loan presentations.

· Analyze and underwrite member financial condition using metrics such as debt service coverage ratios, loan to value ratios, net worth and liquidity, credit and loan repayment history, etc.

· Prepare written analyses summarizing member financial condition.

· Create loan grading worksheets in excel to determine credit worthiness.

· Pull member credit bureau reports and analyze for credit worthiness

· Assist in performing annual credit reviews of business loan relationships

· Assist Credit Analyst Team in any additional functions that may arise.

Job Qualifications

· Bachelor’s degree required. Business/Accounting preferred

· Working knowledge of basic accounting principles

· Experience using Microsoft Office and proficiency in Microsoft Excel

· Effective business writing and communication skills

· Detail-oriented with the ability to spot errors or discrepancies in financial data

If you are a motivated individual with a passion for finance and a strong analytical mindset, we would love to hear from you.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Tuition reimbursement
• Vision insurance

Schedule:

• Day shift
• Monday to Friday

Ability to Relocate:

• Ashland, KY 41101: Relocate before starting work (Required)

Work Location: In person