Mortgage Credit Analyst: Fast-Paced Prequal & Underwrite

LendSure Mortgage Corp.; San Diego (CA); Hybrid; USD 58,000 - 73,000; Full time

Job summary

LendSure Mortgage Corp. in San Diego, CA, is seeking a Credit Analyst to join our all on-site office. You will review mortgage pre-qualification submissions, verify documentation, and coordinate with underwriting, doc and funding teams to keep loan flow moving.

The ideal candidate has underwriting and processing experience, strong attention to detail, and excellent communication with brokers and Loan Officers. Familiarity with Encompass is a plus.

Qualifications

• 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.

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.

Skills

Underwriting (Non-QM)

Processing

Credit analysis

Communication

Attention to detail

Real estate knowledge

Tools

Encompass

Job description

LendSure Mortgage Corp. in San Diego, CA, is seeking a Credit Analyst to join our all on-site office. You will review mortgage pre-qualification submissions, verify documentation, and coordinate with underwriting, doc and funding teams to keep loan flow moving.

The ideal candidate has underwriting and processing experience, strong attention to detail, and excellent communication with brokers and Loan Officers. Familiarity with Encompass is a plus.