Cayuse Holdings
  • 06-Jan-2021 to Until Filled (HST)
  • Cayuse Talent Solutions
  • USA
  • 85k-113k
  • Salary
  • Full Time

Cayuse Talent Solutions (CTS) provides top tier talent to government and commercial clients. CTS yields permanent placement, staff augmentation services, and talent management/recruitment consulting services.

We are looking for a Sr. Credit Risk Analyst position for a client that we are supporting. This is a 100% Remote opportunity. 

Summary/Objective:

The Sr. Credit Risk Analyst is responsible for providing answers to credit policy and underwriting questions for the underwriting, processing, and sales staff. The incumbent must have expert knowledge of lending policies, investor requirements, and excellent critical thinking skills. The Mortgage Underwriter IV Scenario desk incumbent will also review loan files for consistency and provide input into credit policies. The position will carry Underwriter IV lending authority.

Responsibilities:

  • Partner with sales and processing to review scenarios and credit-related questions, providing clear direction with excellent communication.
  • Current knowledge of FNMA/FHLMC, FHA, VA, and CHFA guidelines, standards and practices
  • Advanced knowledge of Jumbo and Portfolio products, signing loans up to $1M
  • Render decisions on complex loan scenarios/escalations
  • Use critical thinking to offer alternatives and detailed loan analysis
  • Ability to handle a large volume of requests, while maintaining both turn times and stakeholder expectations.
  • Advanced mortgage loan appraisal review and complicated tax return analysis skills
  • Review complex transactions submitted for Loan Committee to provide a clear and detailed analysis for the other members of Loan Committee to enable a decision to be made in a timely manner
  • Develop and deliver training on policy.
  • Active participant in the implementation of tools including testing of underwriting and credit-related income calculators
  • Serve as a backup to VA underwriters reviewing and issuing NOV's when needed
  • Assist underwriting managers with targeted reviews of staff file

Reports to: Underwriting Manager

Manages: This role does not have supervisory responsibility

Required Education and Experience:

  • Minimum of five (5) years' mortgage loan underwriting experience required including past lending authority for portfolio loans of $1M or greater
  • Must have FHA DE Certification
  • Subject Matter Expert in Fannie Mae, Freddie Mac, various investors, FHA, VA, and portfolio loan products.
  • Subject Matter Expert in Self Employed Income Analysis including complex income tax analysis, asset, and liability analysis.
  • Subject Matter Expert on all COVID related policies
  • Subject Matter Expert in Agency collateral requirements including non-conforming properties and non-warrantable condos
  • Working knowledge of laws and regulations pertaining to mortgage and consumer lending practices
  • Basic MS Office skills
  • Excellent verbal and written communication and presentation skills
  • Demonstrated ability to make and convey difficult decisions.

 Preferred Education and Experience:

  • VA LAPP

 As an equal opportunity employer, Cayuse Talent Solutions is committed to a diverse workforce. In order to ensure reasonable accommodation for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Veterans' Readjustment Act of 1974, and Title I of the Americans with Disabilities Act of 1990, applicants that require accommodation in the job application process may contact our Operations Department at (541) 278-8200 for assistance.

 

Cayuse Holdings
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