Full-Time Senior Analyst, Credit and Income

• Complete quality control post loan closing/Pre-funding.
• Review pre-closing/Prefunding documentation to ensure accuracy prior to document release and review post-closing documentation to ensure accuracy after loan closing and confirm supporting documents are all present and correctly executed.
• Record and report loan exceptions.
• Expertise on RADD, Forensic review, QM(Conventional, FHA, VA and USDA), non-QM and Portfolio loans review.
• Credit and Income review; Income calculation; Employment Income, self-employed income, rental income and other income.
• Identify red flags on loan file(Income documents review, asset documents review, credit report, Fraud report, exclusionary list).
• Review entity documentation to understand business structure and authorized signers.
• Knowledge of applicable federal regulations and state laws a plus.
• Ability to prioritize and decipher policies, programs, and guidelines.
• Strong attention to detail, organizational and communication skills.
• Ability to handle multiple tasks, take on new responsibilities, and prioritize work in a deadline-intensive environment.
• Strong interpersonal and teamwork skills and ability to influence through collaboration.
• Self-motivated, high level of personal energy and commitment.
• Flexible to work on Night shifts.
• 5+ years of experience in retail US residential mortgage banking and QC/post-closing/Prefunding is required.

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