Senior Analyst, Credit and Income
Core
Perform quality control on loan files post-closing and pre-funding, verifying documentation accuracy, calculating income, and identifying red flags for retail US residential mortgages.
Role type
Senior Analyst, Credit and Income (Quality Control)
Builds
Accurate loan files ready for funding and regulatory compliance
Domain
US Residential Mortgage Banking / Credit Risk
Deliverable
production ML models | product features | dashboards & analysis | client delivery | infrastructure | physical/clinical work
Required skills
Loan file review, Income calculation (Employment, Self-employed, Rental), Credit report analysis, Fraud detection, Entity documentation review, Federal/state regulations knowledge, Policy interpretation
Preferred skills
RADD expertise, Forensic review, QM (Conventional, FHA, VA, USDA) knowledge, Non-QM and Portfolio loans review
Technologies
RADD, QM systems, Credit reporting tools
Responsibilities
Review pre-closing and post-closing documentation for accuracy, Record and report loan exceptions, Identify red flags in income, asset, and credit documents, Review entity documentation to understand business structure
Seniority
Senior, hands-on IC