Vice President/Director, Credit Analyst - Mortgage Sector Specialist

Description

Institutional Credit Analyst Team (ICAT) We are seeking a highly experienced credit analyst to join our team as a Vice President, specializing in the mortgage sector. The successful candidate will have a deep understanding of the mortgage industry, including mortgage originators, servicers, and specialty-finance companies. The role will involve analyzing the creditworthiness of these entities, identifying potential risks, and providing recommendations to support informed credit decisions.

Key Responsibilities

• Lead end-to-end credit underwriting for agency-mortgage originators, servicers and specialty-finance firms and identify potential risks
• Reduce the existing onboarding backlog and establish a repeatable, high quality workflow for new mortgage-sector clients
• Serve as technical subject-matter expert on agency residential and commercial MBS, TBA, CMO and DUS products for the Institutional Credit Analyst Team, Sales and Trading teams
• Produce concise white-papers, risk-Client briefs and onboarding guides that become permanent knowledge assets for the wider Risk and ICAT organization
• Develop and maintain a comprehensive understanding of the mortgage sector, including market trends, regulatory developments, and industry best practices
• Prepare high-quality credit proposals, including recommendations on credit ratings, limits, and risk strategies, to support credit decisions
• Collaborate with internal stakeholders, including coverage bankers, business lines, and risk teams, to provide credit expertise and support
• Stay up-to-date with industry developments, regulatory changes, and market trends, and apply this knowledge to credit analysis and decision-making
• Participate in credit committees, due diligence meetings, and other forums to provide credit expertise and support

Requirements

• Minimum 6 years of experience in credit analysis, with a focus on the mortgage sector, including mortgage originators, servicers, and specialty-finance companies
• In-depth knowledge of the mortgage industry, including market trends, regulatory developments, and industry best practices
• Strong analytical and problem-solving skills, with the ability to analyze complex financial data and identify potential risks
• Excellent communication and interpersonal skills, with the ability to effectively collaborate with internal stakeholders and communicate credit recommendations to senior management
• Strong understanding of credit risk management principles and practices, including credit rating models, risk assessment methodologies, and credit portfolio management techniques

Nice to Have

• Experience with Agency Mortgage-Backed Securities (MBS) and Commercial Mortgage-Backed Securities (CMBS) markets
• Knowledge of mortgage-related products, such as Delegated Underwriting and Servicing (DUS) bonds
• Familiarity with regulatory requirements and industry standards, such as those related to credit risk management and mortgage lending

What We Offer

• A competitive salary and benefits package
• Opportunities for professional development and growth within a global financial institution
• A collaborative and dynamic work environment that fosters diversity, inclusion, and equal employment opportunity

Pay

$62.00 - $72.00/hr; W2 contract, no PTO, no Benefits. ACA-compliant supplemental package available for enrollment.

Schedule

6-month contract to start with the potential for extensions.

Benefits

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Benefits

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