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Credit Analyst evaluates the financial health and risk profile of commercial, consumer and mortgage loan applicants. Successful applicants will learn to "spread" financial statements, conduct cash ...
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Be Seen First
Credit Analyst evaluates the financial health and risk profile of commercial, consumer and mortgage loan applicants. Successful applicants will learn to "spread" financial statements, conduct cash ...
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 ...
Quick apply
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 ...
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 ...
Quick apply
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 ...
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 ...
Quick apply
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 ...
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 ...
Quick apply
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 ...
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 ...
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 ...
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 ...
Quick apply
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 ...
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 ...
Quick apply
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 ...
NY · On-site
$85 - $120/hr
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 ...
NY · On-site
$85 - $120/hr
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 ...
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 ...
Quick apply
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 ...
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 ...
Quick apply
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 ...
Credit Analyst
Lubbock, TX · On-site
Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease ...
Credit Analyst
Lubbock, TX · On-site
Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease ...
Credit Analyst
Dallas, TX · On-site
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 ...
Credit Analyst
Dallas, TX · On-site
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 ...
Credit Analyst
Austin, TX · On-site
$75 - $115/hr
We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...
New
Credit Analyst
Austin, TX · On-site
$75 - $115/hr
We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...
New
Credit Analyst
Manhattan, NY · On-site
$75 - $115/hr
We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...
New
Credit Analyst
Manhattan, NY · On-site
$75 - $115/hr
We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...
New
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 ...
Quick apply
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 ...
Consumer Credit Analyst
Galveston, TX · On-site
Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications Evaluate credit reports, income documentation, tax returns, bank statements, appraisals, and ...
Consumer Credit Analyst
Galveston, TX · On-site
Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications Evaluate credit reports, income documentation, tax returns, bank statements, appraisals, and ...
Credit Analyst
Salt Lake City, UT · On-site
$75 - $115/hr
We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...
New
Credit Analyst
Salt Lake City, UT · On-site
$75 - $115/hr
We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...
New
Credit Analyst
Dallas, TX · On-site
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 ...
Credit Analyst
Dallas, TX · On-site
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 ...
Consumer Credit Analyst
Galveston, TX · On-site
Essential Duties and Responsibilities: · Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications · Evaluate credit reports, income documentation, tax ...
Quick apply
Consumer Credit Analyst
Galveston, TX · On-site
Essential Duties and Responsibilities: · Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications · Evaluate credit reports, income documentation, tax ...
Mortgage Credit Analyst information
See salary details
$20.48 is the 25th percentile. Wages below this are outliers.
$16.35 - $20.65
26% of jobs
$20.65 - $24.96
14% of jobs
$24.96 - $29.26
9% of jobs
The median wage is $29.74 / hr.
$29.26 - $33.57
9% of jobs
$33.57 - $37.87
5% of jobs
$37.87 - $42.18
4% of jobs
$46.48 is the 75th percentile. Wages above this are outliers.
$42.18 - $46.48
7% of jobs
$46.48 - $50.79
0% of jobs
$50.79 - $55.09
16% of jobs
$55.09 - $59.40
3% of jobs
$59.40 - $63.70
6% of jobs
$16
$36
$63
How much do mortgage credit analyst jobs pay per hour?
As of Sep 4, 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 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.
What are the key skills and qualifications needed to thrive as a mortgage credit analyst?
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 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.
Do mortgage credit analysts make a lot of money?
Mortgage credit analysts typically earn a median annual salary that is competitive within the financial services industry, with entry-level positions starting around $45,000 and experienced analysts earning over $70,000. Salaries can vary based on location, experience, and certifications such as the Mortgage Bankers Association designation, but overall, the role offers a solid income potential for those with strong analytical skills and attention to detail.
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:
What job categories do people searching Mortgage Credit Analyst jobs look for?
The top searched job categories for Mortgage Credit Analyst jobs are:
Full-time
Medical, Dental, Vision, Life
Re-posted 29 days ago
Job description
Credit Analyst evaluates the financial health and risk profile of commercial, consumer and mortgage loan applicants. Successful applicants will learn to “spread” financial statements, conduct cash flow analyses and assist other analysts in underwriting commercial, consumer and mortgage loans, among other duties to build foundational credit and lending skills. Underwrite FHA, VA, RD and Conventional mortgage loans. Under general direction, this position’s primary responsibilities include performing credit analysis and underwriting for consumer, mortgage and commercial loan customers.
ESSENTIAL JOB DUTIES:
Performs portfolio management responsibilities including:
- Commercial credit analysis by reviewing items including, but not limited to, credit reports, personal and business financial statements, tax returns, appraisals, property inspections, insurance and environmental reports to prepare credit packages for approval.
- Help prepare and analyze financial statement spreads to determine overall credit strengths and weaknesses of potential commercial, consumer and mortgage credit customers.
- Research prospective bank customers using internet, banking and trade references
- Underwrite1-4 Family Residential mortgage loans including FHA, VA and Conventional
- Assist credit staff with file reviews to ensure complete information.
- Assist Credit staff with preparation of clear and concise credit memos that include all pertinent information associated with the overall risk of each loan, identifying the strengths and weaknesses of the borrower.
- Evaluate collateral, industry data and other relevant credit information.
- Assist with monitoring monthly borrowing base reports, portfolio reviews and other reports as assigned.
- Develop a working knowledge of the bank’s loan policy and systems.
- Assist with other duties or special projects as assigned.
- Prepares periodic reviews of existing loans to assess credit quality and covenant compliance
- May participate in research, preparation and execution of customer calls
- Prepares Annual Reviews on customers, to include but not limited to:
- Detailed analysis of financial statements
- Detailed collateral analysis
- Detailed analysis of debt service and covenant compliance
- Review of credit risk rating
- Borrower and Guarantor analysis
- Assessment of lending risks, clearly identifying offsetting mitigates and summarizing recommendations.
QUALIFICATIONS:
• Bachelor’s Degree in Accounting or Finance, preferred
• Financial analysis experience in a commercial bank setting and/or equivalent credit training.
• Experience with discounted cash flow models, a plus.
• 1-3 years of related experience within commercial banking industry, preferred but not required.
• 1-4 family mortgage underwriting experience and DE Certification, a plus.
• Strong communication and analytical skills
• Strong PC skills (Microsoft Office)
• Good interpersonal skills, team oriented, and strong customer service skills
Company Description
Well-established community bank located in Shreveport/Bossier/Benton/Minden.