Mortgage Credit Analyst jobs in Sayreville, NJ

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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Analyst-Credit
  • L'Oreal
  • Cranbury, NJ FULL_TIME
  • Job Title: Analyst – Credit

    Location: Cranbury, NJ


    JOB SUMMARY:


    This is a role within the Accounts Receivable Department with the ultimate objective of ensuring that Customers adhere to the payment terms and Credit Procedures. This position is tasked with driving changes and improvements to the supply chain with respect to the Credit department by identifying issues; and then collaborating with both internal and external business partners towards resolution. An important aspect of this role is discerning when issues escalate and providing appropriate summarized information to enable management to make informed business decisions.

    This position will have a significant portion of their time dedicated to the day-to-day management of credit for the assigned accounts.


    TASKS, DUTIES & RESPONSIBILITIES

    Credit - Day-to-Day responsibilities (~65%):


    • Review daily orders on credit hold and make decision to release or hold based on L’Oreal Credit procedures.
    • Maintain invoice adherence to avoid past due. Maintain the expected DSO (Days Sales Outstanding)
    • Communicate effectively with Customers, Sales, and Finance regarding collection of invoices and other credit related issues.
    • Establish and maintain paying office credit limits and risk codes
    • Pursue invoice EDI (Electronic Data Information) and EFT (Electronic Funds Transfer) initiatives with customers.
    • Research new account applications using established methods: D & B, F & D reports, and other L’Oreal divisions.

    Credit – Additional Responsibilities (~35%)

    • Represent Credit at variety of Operation meetings and collaborate with internal and external partners of the Supply Chain.
    • Lead collaborative initiatives to identify root causes and implement preventive measures to improve various AR / Order-to-cash metrics.
    • Develop / Implement tools to monitor key credit metrics for LDB/CPD Credit Team including but not limited to (Past Due Invoices, Aged Full Invoice Deductions, Unidentified Payments, Inactive Accounts, as well as identify Inconsistencies in Credit Master Data).
    • Identify best practices across Credit Department, establish/ update standardized procedures to ensure they are documented and adhered to.
    • Assist in the integration of acquisitions from a Credit standpoint.
    • Assist in the implementation of new AR / Order-to-Cash systems.

    JOB REQUIREMENTS


    Education, Experience and Skills


    • College degree preferred
    • Experience in Accounts Receivable with broader exposure to Supply Chain
    • Proficient skills in Excel, Power BI, Access, Outlook
    • Excellent analytical skills with strong attention to detail
    • Excellent communication, interpersonal and organizational skills
    • Enthusiasm to work in a fast-paced, team-oriented environment
    • Ability to present data collected and analyzed to key business partners
    • Ability to understand the nuances of communicating effectively with Finance and IT
    • Ability to seek effective and efficient ways to achieve results
    • Ability to build and maintain positive relationships with internal and external customers
    • Understanding when issues need to be escalated and provide summarized information to suggest/enable decisions


    Specific Designations, Certifications or Licenses


    • SAP experience is desired but not required
    • Business Process Improvement experience is desired but not required
    • High Radius


    Competencies


    Analytical

    • Ability to analyze large data sets and conduct root cause investigations
    • Functional (transactional) knowledge
    • Calculated decision-making abilities
    • Analyze current processes to identify opportunities for improvement


    Interacts effectively:

    • Listens and communicates well


    Displays sensitivity to the L’Oreal Métier and demonstrates excellence:

    • Focuses on completing work accurately and with high quality
    • Sets high standards of performance for self and others


    Achieves results:

    • Pursues objectives with drive
    • Stays proactive
    • Acts with integrity


    Manages complexity and demonstrates entrepreneurship:

    • Reasons from multiple perspectives
    • Makes decisions independently
    • Takes initiative
    • Multi-tasking


    What’s In It For You:

    • Competitive Benefit Package (Medical, Dental, Vision, 401K, Pension Plan)
    • Hybrid Work Policy (3 Days in Office, 2 Days Work from Home)
    • Flexible Time Off (Paid Company Holidays, Paid Vacation, Vacation Buy Program, Volunteer Time, Summer Fridays & More!)
    • Access to Company Perks (VIP Access to L’Oréal’s Internal Shop for Discounted Products, Monthly Mobile Allowance)
    • Learning & Development Opportunities for Career Progression (Unlimited Access to E-learnings, Lunch & Learn Sessions, Mentorship Programs, & More!)
    • Employee Resource Groups (Think Tanks and Innovation Squads)
    • Access to Mental Health & Wellness Programs


    Don’t meet every single requirement?
    At L'Oréal, we are dedicated to building a diverse, inclusive, and innovative workplace. If you’re excited about this role but your past experience doesn’t align perfectly with the qualifications listed in the job description, we encourage you to apply anyways! You may just be the right candidate for this or other roles!


    We are an Equal Opportunity Employer and take pride in a diverse environment. We would love to find out more about you as a candidate and do not discriminate in recruitment, hiring, training, promotion, or other employment practices for reasons of race, color, religion, gender, sexual orientation, national origin, age, marital or veteran status, medical condition or disability, or any other legally protected status.


    If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to access job openings or apply for a job on this site as a result of your disability. You can request reasonable accommodations by contacting USApplicationAccommodation@support.lorealusa.com. If you need assistance to accommodate a disability, you may request an accommodation at any time.


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  • 1 Month Ago

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Credit/Collection Analyst
  • Foley, Inc.
  • Piscataway, NJ FULL_TIME
  • Credit/Collection Analyst - Piscataway, NJ Department: Credit & Finance Responsibilities *Contact customers on past due receivables. *Maintain the follow up dates in a current manner. *Approving parts...
  • 9 Days Ago

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Credit Analyst II
  • First Commerce Bank
  • Lakewood, NJ FULL_TIME
  • Requirements:Minimum of 3 years experience in commercial underwriting (with a focus on commercial real estate) OR a minimum of 5 years banking experience (or related commercial real estate finance exp...
  • 16 Days Ago

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Mortgage Loan Originator
  • Motto Mortgage Elite Choice Corp.
  • Freehold, NJ FULL_TIME
  • About us Highest Commission Structure!!!!! Be paid what your really worth. Motto Mortgage Nunez Elite Choice Corp. is a small business in Freehold, NJ. We are engaging, professional, social and our go...
  • 9 Days Ago

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External Mortgage Loan Originator
  • AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY
  • East Brunswick, NJ OTHER
  • Job Details Job Location: 4575 East Brunswick - East Brunswick, NJ Position Type: Full Time Education Level: High School Salary Range: Undisclosed Travel Percentage: Road Warrior Job Category: Sales D...
  • 14 Days Ago

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External Mortgage Loan Originator
  • AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY
  • Wall, NJ OTHER
  • Job Details Job Location: 4235 Wall - Wall, NJ Position Type: Full Time Education Level: High School Salary Range: Undisclosed Travel Percentage: Road Warrior Job Category: Sales DescriptionAnnieMac H...
  • 14 Days Ago

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0 Mortgage Credit Analyst jobs found in Sayreville, NJ area

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Financial Analyst
  • Prophet Companies
  • West Caldwell, NJ
  • Job Description Job Description Job Overview Prophet Companies is an asset management firm located in West Caldwell, NJ....
  • 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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Business Analyst / Project Manager
  • Pyramid Consulting, Inc
  • New York, NY
  • Immediate need for a talented Business Analyst / Project Manager. This is a 06+ Months contract opportunity with long-te...
  • 3/27/2024 12:00:00 AM

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Security Master Professional
  • Apollo
  • New York, NY
  • Position Overview Apollo is a high-growth, global alternative asset manager. In our asset management business, we seek t...
  • 3/27/2024 12:00:00 AM

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Director Data Analytics - U.S. Based Remote
  • Anywhere Real Estate
  • Madison, NJ
  • 16025BR **Director Data Analytics - U.S. Based Remote** Madison New Jersey **Job Description** Summary Of Role Are you h...
  • 3/26/2024 12:00:00 AM

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Product Analyst
  • InfoVision Inc.
  • New York, NY
  • Job Title: Product Analyst Location: New York, NY Duration: Long-Term Mode: Onsite Must Have: 4+ years of exp in mortgag...
  • 3/26/2024 12:00:00 AM

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Technical Business Data Analyst - Banking - W2 Only
  • Mitchell Martin Inc.
  • Jersey City, NJ
  • Technical Business Data Analyst - Banking - W2 Only Location: Jersey City, NJ Duration: 12-24 Months HYBRID ONLY in Jers...
  • 3/25/2024 12:00:00 AM

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Senior Analyst Security Operations - U.S. Based Remote
  • Anywhere Real Estate
  • Madison, NJ
  • 16000BR **Senior Analyst Security Operations - U.S. Based Remote** Madison New Jersey **Job Description** We are current...
  • 3/24/2024 12:00:00 AM

Sayreville is a borough located on the Raritan River, near the Raritan Bay in Middlesex County, New Jersey, United States. As of the 2010 United States Census, the borough's population was 42,704, reflecting an increase of 2,327 (+5.8%) from the 40,377 counted in the 2000 Census, which had in turn increased by 5,391 (+15.4%) from the 34,986 counted in the 1990 Census. Sayreville was originally incorporated as a township on April 6, 1876, from portions of South Amboy Township. On April 2, 1919, the borough was reincorporated as the Borough of Sayreville and ratified by a referendum held on Apri...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Credit Analyst jobs
$58,978 to $84,240
Sayreville, New Jersey area prices
were up 1.5% from a year ago

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Analysts benefit from on-the-job training, online development tools and a culture that encourages continuing education.
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Mortgage Credit Analyst in Shreveport, LA
Become an expert on our internal credit and cash flow models.
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