Senior Credit Risk Analyst

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🔥 7 minutes ago

🇺🇸 United States – Remote

💵 $85k - $115k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

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Finance of America

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💸 Finance

🏦 Banking

Finance • Banking

<Finance of America> Finance of America is a U. S. -based mortgage lender specializing in reverse mortgages and home equity solutions for older homeowners. The company offers proprietary and government-backed products (including HomeSafe and HECM), lines of credit and loans up to $4M, borrower education and calculators, and partner tools for financial professionals and wholesale partners. It is a licensed mortgage banker focused on helping homeowners (typically 55+) access home equity for retirement, home improvements, or living expenses while providing consumer protections and counseling.

📋 Description

• responsible for performing audits to assess Finance of America’s compliance with HUD, state, and federal regulatory requirements • manages QC audits including, but not limited to, post funding, prefunding, auditing the auditor vendor reviews and denied loans to follow all applicable state, federal, agency and investor guidelines including HUD QC Plan requirements • manages question sets on the QC checklists including keeping question sets updated • ensures proper findings/issues are addressed properly in the LOS system by the underwriter • assists with the identification of potential areas for improvement through the completion of Quality Control audits • meets review timelines and performance metrics • communicates audit findings, as necessary, to related responsible parties • assists leadership with projects designed to improve the audit process • finalizes determination of audit findings • complies with all local and federal fair lending laws and net benefit requirements • performs other duties as assigned.

🎯 Requirements

• Minimum of 5 years related audit experience • demonstrated experience in mortgage operations in the areas of underwriting, quality control, servicing or internal audit; Reverse Mortgage experience a plus • experience as a Direct Endorsement (DE) Underwriter, Servicing or Insuring and Guaranty Specialist on HECM reverse mortgages required or the equivalent QC of DE underwriters and FHA, VA and Conventional Mortgage Products • recent general federal regulatory experience preferred • general knowledge of lending policies, procedures, practices, and documentation • knowledge of HUD guidelines a plus • demonstrated teamwork abilities • excellent verbal and written communication skills • strong analytical, critical thinking, and organizational skills • highly proficient with Microsoft Word, Excel, PowerPoint and Outlook • detail oriented and focused • ability to take initiative, work autonomously, and drive projects forward to completion • sound judgment and decision-making ability • analytical end-to-end thinking and problem-solving skills.

🏖️ Benefits

• health, dental, vision, life insurance • paid time-off benefits • flexible spending account • 401(k) with employer match • ESPP