Residential Whole Loan Credit Analyst, Vice President

Annaly Capital Management

Residential Whole Loan Credit Analyst position focusing on Non-QM loan experience at Annaly Capital Management. Overseeing exception requests and managing post-close diligence with correspondent partners.

Posted 6/13/2026full-timeCalifornia • California • 🇺🇸 United StatesLeadWebsite

About the role

Key responsibilities & impact

Main point of contact in conjunction with sales coverage for specific originators to ensure the loans locked and delivered are reviewed for post close diligence in a timely manner
Review credit exception requests/scenarios with the ability to determine acceptability or denial as well as placing conditions, if applicable
Monitor market guidelines and recommend enhancements to Onslow Bay’s post-close process
Ability to effectively communicate Onslow Bay underwriting guidelines to various levels of sellers’ employees such as loan officers or underwriters

Requirements

What you’ll need

10+ years of experience in whole loan underwriting, collateral, funding and post close review process
Bachelor’s Degree required
Must be willing to submit to a background investigation
Must have unrestricted work authorization to work in the United States
Preference given to West Coast remote candidates or candidates with the ability to work out of Annaly’s Dallas office three days a week

Benefits

Comp & perks

Equal Employment Opportunity
Reasonable accommodations for qualified candidates

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

whole loan underwritingcollateral reviewfunding processpost close reviewcredit exception analysis

Soft Skills

effective communicationinterpersonal skillsanalytical skills

Certifications

Bachelor’s Degree