Job Description:

Experience in credit analysis and mortgage underwriting; strong understanding of financial statements and risk assessment Analyze credit reports, make loan approval decisions, develop credit policies, manage loan performance, and oversee team relationships Credit assessment: Analyze credit reports and financial statements to evaluate the creditworthiness of mortgage applicants. Loan approval/rejection: Make the final decision to approve or reject loan requests based on risk assessment and company policy. Policy and risk management: Develop and update company credit policies, create credit scoring models to assess risk, and ensure compliance with regulations. Loan management: Calculate and set interest rates, negotiate loan terms, and monitor loan performance and payments to manage accounts receivable and reduce bad debt. Team and stakeholder management: Oversee a team & manage relationships with various stakeholders (like sales teams and other financial institutions), and ensure effective communication.