Credit Analyst

🔥 6 minutes ago

🤠 Texas, Utah – Remote

🤠 Texas – Remote ⛷️ Utah – Remote

💵 $40 / hour

⏳ Contract/Temporary

🟡 Mid-level

🟠 Senior

🧐 Analyst

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Setpoint.io

WebsiteLinkedInAll Job Openings

11 - 50 employees

💼 Consulting

📦 Logistics

📣 Marketing

💰 Series A on 2022-12

Consulting • Logistics • Marketing

Setpoint. io is a financial technology company offering an advanced operating system for capital markets. It specializes in enhancing debt facility management for borrowers and lenders, processing over $18 billion transactions annually across ABS and ABL markets. Setpoint provides seamless, efficient capital solutions, speeding up funding times and transaction processing. The company supports borrowers and lenders by automating borrowing requests, investor reporting, and asset management. Setpoint's technology improves precision in due diligence, credit agreement management, and automates servicer reporting, helping users save time and optimize their operations.

📋 Description

• Review residential mortgage loan files for accuracy, completeness, and compliance with agency, originator, and/or investor guidelines • Identify conditions and findings; review trailing documents as needed • Ensure required documents are present and properly executed, including the Final Closing Disclosure, Note, Mortgage/Deed of Trust, Application, and other closing documentation • Detect and resolve errors or discrepancies that may affect loan sale or insurability • Calculate income, debts, DTI, DSCR, and assets; review entity documentation on borrowing entities • Perform quality control checks and contribute to continuous process improvement • Support audit preparation and respond to findings from investors or regulatory bodies • Stay current on mortgage industry guidelines, regulatory changes, and investor overlays • Maintain working knowledge of internal systems; test updates and revisions as needed • Review residential mortgage loans for Setpoint/inTENT, which provides operational infrastructure and third-party review and diligence services for the residential lending industry

🎯 Requirements

• 5+ years of mortgage underwriting experience • 2+ years of secondary market underwriting experience • Knowledge of Operational Underwriting • High School Diploma required • Associate's or Bachelor's in Finance, Business, or a related field preferred • Equivalent work experience accepted as an alternative to the required high school diploma • Proficiency in Microsoft Office, including Word and Excel • Proficiency in Outlook, Teams, and SharePoint • Detail-oriented approach to maintaining complete loan files • Ability to work independently and manage priorities • Ability to work quickly and accurately in a high-volume environment • Deep knowledge of agency, investor, and regulatory guidelines • Ability to articulate findings and discrepancies clearly in writing and conversation • Ability to adapt to changing guidelines and collaborate across functions

🏖️ Benefits

• Upon conversion to full-time: competitive salary • Stock options upon conversion to full-time • Medical coverage upon conversion to full-time • Dental coverage upon conversion to full-time • Vision coverage upon conversion to full-time • 401(k) upon conversion to full-time • Short- and long-term disability upon conversion to full-time • Flexible vacation upon conversion to full-time • Paid biweekly during the 1099 contract period