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Mortgage Credit Analyst Jobs (NOW HIRING)

ThinkingAhead

Sr. Credit Analyst

Tuscaloosa, AL · On-site

Analyze complex commercial and mortgage credits - balance sheets, cash flow, tax returns - to form sound opinions on risk and structure * Work directly with loan officers on credit decisions and ...

New

Amerantbank

Residential Mortgage Underwriter

Tampa, FL · On-site

By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to ...

ThinkingAhead

Sr. Credit Analyst

Montgomery, AL

$90K - $120K/yr

Analyze complex commercial and mortgage credits -- balance sheets, cash flow, tax returns -- to form sound opinions on risk and structure * Work directly with loan officers on credit decisions and ...

Amerantbank

Residential Mortgage Underwriter

Miami, FL · On-site

By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to ...

Savings Bank

Credit Analyst

Circleville, OH

Description The credit analyst role is critical to the evaluation of commercial, consumer and mortgage credits. The analysis provided is relied upon by loan officers, senior leadership and the board ...

New

Spencer Gray

Be Seen First

Credit Analyst

Irving, TX · On-site

$21.50/hr

*** This position is onsite The Credit Analyst is responsible for conducting credit investigations and ... mortgage underwriting process, provides operational support to the production team through the ...

Spencer Gray

Be Seen First

Credit Analyst

Garden Grove, CA · On-site

$21.50/hr

*** This position is onsite The Credit Analyst is responsible for conducting credit investigations and ... mortgage underwriting process, provides operational support to the production team through the ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX

Minimum one-year experience in a financial analyst or credit analyst role with a financial institution or mortgage company * Proficient in prioritizing tasks effectively, ensuring timely completion ...

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Mortgage Credit Analyst information

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How much do mortgage credit analyst jobs pay per hour?

As of Jul 26, 2026, the average hourly pay for mortgage credit analyst in the United States is $36.19, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $53.85 per hour, depending on experience, location, and employer.

What are some common challenges faced by Mortgage Credit Analysts when assessing complex loan applications?

Mortgage Credit Analysts often encounter challenges when applicants have non-traditional income sources, multiple properties, or complex financial histories. Analyzing self-employment income, evaluating fluctuating credit profiles, and interpreting layered documentation require strong attention to detail and analytical skills. Additionally, keeping up with evolving lending regulations and ensuring compliance adds another layer of complexity. Effective communication with loan officers and underwriters is essential to resolve ambiguities and support sound lending decisions.

What are the key skills and qualifications needed to thrive as a Mortgage Credit Analyst, and why are they important?

To thrive as a Mortgage Credit Analyst, you need strong analytical abilities, attention to detail, and a solid understanding of mortgage lending principles, typically supported by a degree in finance, accounting, or a related field. Familiarity with credit analysis software, loan origination systems, and knowledge of regulatory guidelines such as Fannie Mae and Freddie Mac standards are essential. Strong communication, problem-solving skills, and sound judgment help analysts effectively assess borrower risk and collaborate with clients and colleagues. These skills ensure accurate credit decisions, compliance, and minimized risk for lenders in a highly regulated industry.

What does a Mortgage Credit Analyst do?

A Mortgage Credit Analyst is responsible for evaluating the financial information of individuals or businesses applying for mortgage loans. They analyze credit reports, income statements, debt ratios, and other financial data to assess the risk of lending. Their goal is to determine whether applicants meet the lender’s credit criteria and recommend approval, denial, or modification of loan terms. Mortgage Credit Analysts play a crucial role in helping lenders make informed decisions and in ensuring compliance with regulatory standards.
More about Mortgage Credit Analyst jobs
What cities are hiring for Mortgage Credit Analyst jobs? Cities with the most Mortgage Credit Analyst job openings:
What states have the most Mortgage Credit Analyst jobs? States with the most job openings for Mortgage Credit Analyst jobs include:
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Mortgage Credit Analyst jobs near you
Infographic showing various Mortgage Credit Analyst job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 6% Part Time, 1% Temporary, and 4% Contract. Highlights an 83% Physical, 7% Hybrid, and 10% Remote job distribution, with an average salary of $75,267 per year, or $36.2 per hour.
Mortgage Credit Analyst ( Warwick, RI)

Mortgage Credit Analyst ( Warwick, RI)

Lendsure Mortgage Corp

Warwick, RI • On-site

$55K - $68K/yr

Full-time

Posted 4 days ago

Job description

Credit Analyst

Annual Salary Range $55k - $68k , Base salary plus bonus.

LendSure Mortgage Corp is looking for a Credit Analyst to work out of our Warwick RI Office. This job is 100% on site.

LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success.

LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company.

Position Summary:

The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers.

Duties include:

  • Review and analyze documentation provided on each loan for pre-qualification, ensuring meets LendSure guidance.
  • Prep and submit files for initial disclosures
  • Review documentation, prep, and submit files for initial Underwriting approval.
  • Ability to review and complete complex tax return analysis.
  • Ability to perform duties under minimal supervision and actively engage with the supervisor to resolve complicated issues
  • Ability to review and clear high-level conditions within the authority.
  • Ability to communicate effectively in both verbal and written form
  • Must be a detail-oriented team player able to work constructively with fellow employees.
  • partnering with underwriting team, doc and funding department, Quality Control and Senior Management
  • Strong time management skills to plan and organize a high daily loan volume
  • Understanding of Account Manager role and provide support as needed.

Qualifications:

  • 2 years underwriting experience, Non-QM preferred.
  • 3 years processing experience preferred.
  • Rendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker.
  • Strong knowledge of underwriting terminology.
  • Strong attention to detail and accuracy.
  • Strong written and verbal communication skills with the ability to talk with brokers and Loan Officers.
  • In-depth knowledge of the real estate industry and current trends.
  • Understanding how to read guidelines.
  • Working knowledge of Encompass Loan Origination System preferred

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.