Mortgage Credit Analyst ( Warwick, RI)

LendSure Mortgage Corp is a fast-growing wholesale lender offering Non-QM loan solutions. We help mortgage originators grow their business by providing loan solutions to borrowers who do not fall into conforming guidelines. Our environment empowers high-energy professionals to learn, excel, grow, and contribute to our success.

About the role

The Credit Analyst reviews mortgage pre-qualification submissions on incoming applicants, ensuring compliance with internal processes and policies, and verifies supporting documentation submitted by mortgage brokers. This position is 100% on-site at our Warwick, RI office.

Responsibilities

• Review and analyze documentation provided on each loan for pre-qualification to ensure it meets LendSure guidance.
• Prepare and submit files for initial disclosures.
• Review documentation, prepare, and submit files for initial underwriting approval.
• Perform complex tax return analysis.
• Work under minimal supervision and actively engage with supervisors to resolve complicated issues.
• Review and clear high-level conditions within your authority.
• Communicate effectively in both verbal and written form.
• Collaborate with the underwriting team, document and funding departments, quality control, and senior management.
• Manage strong time management skills to plan and organize a high daily loan volume.
• Understand the Account Manager role and provide support as needed.
• Render credit decisions on incoming applicants consistent with internal policies and underwriting mortgage commitments.

Requirements

• 2 years of underwriting experience; Non-QM preferred.
• 3 years of processing experience preferred.
• Strong knowledge of underwriting terminology.
• Strong attention to detail and accuracy.
• Excellent written and verbal communication skills, with the ability to interact with brokers and loan officers.
• In-depth knowledge of the real estate industry and current trends.
• Ability to read and interpret guidelines.
• Working knowledge of Encompass Loan Origination System preferred.

Pay

Annual salary range: $55,000 – $68,000 base salary plus bonus.