Credit Analyst

About The Role

Built on the foundation of critical credit relationships, Setpoint provides essential operational infrastructure for the world’s largest banks, credit funds, and capital markets counterparties. We aim to build trust in this system of credit. We are seeking a Credit Analyst to join our dynamic team!

What You’ll Do

• Review residential mortgage loan files for accuracy, completeness, and compliance with agency, originator, and/or investor guidelines.
• Identify conditions and findings; review trailing documents as needed.
• Ensure all required documents are present and properly executed, including the Final Closing Disclosure, Note, Mortgage/Deed of Trust, Application, and other closing documentation.
• Detect and resolve errors or discrepancies in loan files that may affect the sale or insurability of a loan.
• Calculate income, debts, DTI, DSCR, and assets; review Entity documentation on borrowing entities.
• Perform quality control checks and contribute to continuous process improvement.
• Support audit preparation and respond to findings from investors or regulatory bodies.
• Stay current on mortgage industry guidelines, regulatory changes, and investor overlays.
• Maintain working knowledge of internal systems; test updates and revisions as needed.

Qualifications

• 5+ years of mortgage underwriting experience
• 2+ years of secondary market underwriting experience
• Knowledge of Operational Underwriting
• High School Diploma required; Associate's or Bachelor's in Finance, Business, or a related field preferred (or equivalent work experience)
• Proficiency in Microsoft Office (Word & Excel), Outlook, Teams, and SharePoint