Loan Eligibility Analyst

RemX; Dallas (TX); On-site; USD 28,000 - 30,000; Full time

Job summary

EmployBridge is seeking a Mortgage Income Analyst in Dallas, onsite, to review borrower income sources and validate mortgage documents. You will calculate qualifying income and DTI, ensuring compliance with investor guidelines and regulatory standards.

The role requires familiarity with LOS systems like Encompass and strong analytical, organizational, and communication skills. Regular business hours in Pacific Time support teams across regions.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field preferred.
• Experience in mortgage origination, underwriting support, loan processing, or income calculation analysis.
• Strong understanding of mortgage documentation and underwriting fundamentals, including the 4 C’s of underwriting.

Responsibilities

• Review and analyze borrower income documentation, including wage earner, self-employed, rental, retirement, pension, SSI, and other income sources.
• Verify and validate mortgage documents for accuracy, completeness, and compliance with lending requirements.
• Calculate qualifying income and debt-to-income ratios using investor and agency guidelines.
• Review credit, asset, appraisal, title, insurance, and tax documentation throughout the loan origination process.
• Analyze AUS findings and identify outstanding conditions or documentation requirements.
• Ensure compliance with CFPB, FHA, FNMA, FHLMC, GNMA, and other applicable lending guidelines.
• Utilize LOS systems, such as Encompass, for data validation and document management.

Skills

Income analysis

Documentation review

Analytical skills

Communication skills

Education

Bachelor's degree in Finance or related field

Tools

Encompass

Job description

Job Description

Job Description

** Location:** Dallas, TX (Fully Onsite)
** Pay:** $20.00 - $22.00 per hour
** Schedule:** Monday - Friday, Regular Business Hours

** Key Responsibilities**

• Review and analyze borrower income documentation, including wage earner, self-employed, rental, retirement, pension, SSI, and other income sources.
• Verify and validate mortgage documents for accuracy, completeness, and compliance with lending requirements.
• Calculate qualifying income and debt-to-income ratios using investor and agency guidelines.
• Review credit, asset, appraisal, title, insurance, and tax documentation throughout the loan origination process.
• Analyze Automated Underwriting System (AUS) findings and identify outstanding conditions or documentation requirements.
• Ensure compliance with CFPB, FHA, FNMA, FHLMC, GNMA, and other applicable lending guidelines.
• Utilize Loan Origination Systems (LOS), such as Encompass, for data validation and document management.

** Qualifications**

• Bachelor's degree in Finance, Business Administration, Economics, or a related field preferred.
• Experience in mortgage origination, underwriting support, loan processing, or income calculation analysis.
• Strong understanding of mortgage documentation and underwriting fundamentals, including the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital).
• Familiarity with investor guidelines and mortgage compliance requirements.
• Experience working with Loan Origination Systems (LOS) such as Encompass preferred.
• Strong analytical, organizational, and communication skills.
• Must be comfortable working regular business hours and supporting teams operating in Pacific Time.

Company Description

The professional staffing division of EmployBridge, America's Leading Workforce Specialist:
When our Talent is looking for their next opportunity, we know they are not just looking for their next paycheck. Our Recruiters are experts in their specialized fields and understand that making the right match between the candidate and the company, is the key to long term success.

We are an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.

Company Description

The professional staffing division of EmployBridge, America's Leading Workforce Specialist:When our Talent is looking for their next opportunity, we know they are not just looking for their next paycheck. Our Recruiters are experts in their specialized fields and understand that making the right match between the candidate and the company, is the key to long term success.We are an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.