Date: September 2, 2019

Location: Rockville, MD 20850

Credit Analyst Job Responsibilities

• Analyze existing and potential loans by reviewing and analyzing financial statements and related material for existing and prospective borrowers.

• Prepare credit approval documents and make recommendations to management regarding lending decision on new or refinance loans.

• Investigates all available sources of credit and financial information of borrowers, including report services, credit bureaus, the Risk Management Association, industry trends and other companies.

• Prepares quality control reports in accordance with company's policy.

• Evaluate and analyze credit history, income levels and assets/liabilities; calculate debt- to-income and loan-to-value ratios.

• Responsible for reviewing and addressing items involving loan product, credit, occupancy and employment verifications and order pay off statements.

• Provide written loan approvals and modify/restructure existing loans.

• Analyze necessary data to run risk management models.

• Monitor existing investment portfolio performance.

• Request action from Disclosure Desk and other internal partners as required by valid changes in circumstances.

• Collect and analyze document to clear lender's all pre-closing & funding conditions.

• Update loan origination system.

• Maintain various financial databases.

• Maintain a working knowledge of both originating systems for 1st mortgage & lines of credit and other home and commercial loan product.

• Register Loans with MERS system and do the post-closing quality control.

• Perform other financial and professional duties as assigned.

Requirements

• Bachelor’s Degree in Finance or a closely related field.

• Proficiency in using software tools to conduct quantitative analysis.

• Proficiency in using spreadsheet accounting and database programs.

• Possess knowledge of financial institution operations, policies and procedures, and credit systems.

• Possess strong problem-solving, analytic, organizational, research, and decision-making skills.

• Possess professional communication skills to provide quality customer services.

Please send your resume and cover letter to Info@leaderfunding.com. Thank you.