Intermediate Credit Analyst Team Lead

Responsibilities

• Complete and monitor various Risk and Control reports daily
• Perform daily pipeline review to ensure loans are reviewed within business service level agreements.
• Daily/weekly reporting of turn-times, loan registrations, aged inventory, HMDA inquiries, etc.
• Provide support with training new hires.
• Act as a Subject Matter Expert for special projects.
• Aid staff with internal and external escalations of loan transactions.
• Review and analyze procedures on a regular basis to find potential gaps and more efficient processes.
• Analyze quality results to identify training opportunities and determine potential solutions.
• Review mortgage loan documentation submitted by Correspondent lenders for accuracy, consistency, and compliance with business guidelines for potential purchase.
• Ensure data integrity between loan documents and loan origination system to meet applicable guidelines.
• Review loan documents against established procedures for presence, completeness, accuracy, and compliance.
• Ability to analyze and calculate complex income/employment (e.g. paystubs, W2, tax returns etc.), asset and credit documentation to determine eligibility against published guidelines.
• Aid with issues including but not limited to the following: fee calculations to balance the APR Calculations, High-Cost calculations, Qualified Mortgage (QM) classifications, disclosure timing requirements, tolerance testing limits and Texas 50 (a)(6) testing to ensure compliance with Federal and State regulations.
• Communicate well with both internal and external partners, ability to articulate clearly complex mortgage interpretations.

Qualifications

• A minimum of 5 years of related mortgage originations experience, including various products such as Agency, Non-Agency and Community lending.
• Demonstrated experience as a mentor and leader.
• Excellent written and oral communication, analytical, problem-solving, decision-making, and computer skills required.
• Strong understanding of mortgage workflows and processes.