Mortgage Securitization Credit Associate

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❄️ Minnesota – Remote

❄️ Minnesota – Remote

💵 $90k - $100k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚫👨‍🎓 No degree required

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Invictus Capital Partners

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2008

💸 Finance

🏠 Real Estate

Finance • Real Estate

Invictus Capital Partners is a real estate credit focused alternative asset manager that specializes in private funds and separately managed accounts. Founded in 2008, the firm targets investments in both residential and commercial mortgage loans. Invictus employs a comprehensive approach by utilizing its Verus affiliates to source, diligence, and manage real estate whole loans. The company seeks to generate attractive risk-adjusted returns through its investment programs, leveraging a national sourcing network and a substantial operating infrastructure. Invictus has a proven track record since 2015, focusing on premium returns with robust downside protection for its institutional clients.

📋 Description

• Review underwriting exceptions and documented compensating factors to ensure acceptability and address issues at the time of securitization • Monitor transaction timelines, loan documents, securitization documentation, platforms and parties involved to facilitate successful securitization of mortgage assets • Collaborate with third-party diligence providers, attorneys, banking partners, and internal teams to coordinate securitization activities • Ensure asset reviews and data from third party diligence firms are accurate and meet rating agency requirements for securitization • Conduct ongoing evaluation of the existing loan portfolio, including underwriting criteria and product parameters, to identify and resolve any securitization eligibility concerns • Contribute to the development and continuous improvement of internal procedures and documentation related to securitization and credit processes • Collaborate with the Operational team and perform additional duties as needed to support asset acquisition and as assigned by management.

🎯 Requirements

• High school diploma or equivalent • Minimum of 5 years of current mortgage underwriting experience, including Non-QM mortgage underwriting • Strong underwriting and analytical skills, with the ability to evaluate credit risk issues from both business and technical perspectives • Proficiency in Microsoft Excel and Word • Demonstrated project management skills, including coordination of multiple stakeholders in the securitization process leading to successful closings • Experience managing third-party service providers • Proven ability to work under pressure and meet tight deadlines • Excellent oral and written communication skills • In-depth knowledge of mortgage loan production, and the securitization process • Comprehensive understanding of federal and state mortgage compliance regulations, including RESPA, TILA, and HMDA and applicable state specific requirements • Strong ability to work independently and collaboratively within a small team environment • Proficiency in AI tools and technologies (e.g., generative AI platforms, automation tools, and data analytics applications) and the ability to leverage them to enhance risk analysis, support process improvement initiatives, and drive operational optimization

🏖️ Benefits

• Great compensation package, including competitive base pay • Discretionary annual bonus opportunity • Attractive benefits plans and paid time off, including sick time • 401(k) with company matching • Professional learning and development opportunities • Tuition reimbursement • And much more!