Mortgage Credit Analyst ( Warwick, RI)

LendSure Mortgage Corp.; Warwick (RI); On-site; USD 55,000 - 68,000; Full time

Job summary

LendSure Mortgage Corp. is seeking a Credit Analyst to join our Warwick, RI office. This is a 100% on-site role with an annual salary range of $55,000–$68,000 plus bonus.

The analyst will review mortgage pre-qualification submissions, verify documentation, and support underwriting decisions. Ideal candidates have 2+ years underwriting (Non-QM preferred) and 3+ years processing experience, with strong attention to detail and excellent communication skills for broker interactions.

Qualifications

• 2+ years underwriting experience, Non-QM preferred.
• 3+ years processing experience preferred.
• Rendering credit decisions aligned with internal policies.
• Strong knowledge of underwriting terminology.
• Attention to detail and accuracy.
• Strong written and verbal communication with brokers/LOs.
• Knowledge of real estate industry trends and guidelines.
• Experience with Encompass Loan Origination System preferred.

Responsibilities

• Review and analyze documentation for pre-qualification to ensure it meets LendSure guidance.
• Prepare and submit files for initial disclosures.
• Review files for initial underwriting approval and conditions.
• Analyze complex tax returns as needed.
• Collaborate with underwriting, doc/funding, QC, and senior management.
• Communicate effectively in verbal and written form.

Skills

Underwriting experience

Processing experience

Credit decisions

Detail oriented

Written communication

Verbal communication

Tools

Encompass LOS

Job description

Credit Analyst

Annual Salary Range $55k - $68k , Base salary plus bonus.

LendSure Mortgage Corp is looking for a Credit Analyst to work out of our Warwick RI Office. This job is 100% on site.

LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success.

LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company.

Position Summary:

The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers.

Duties include:

• 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.

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

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.