Credit Analyst

Setpoint.io

Credit Analyst reviewing residential mortgage loans for compliance in a fintech company. Ensuring adherence to agency, originator, and investor guidelines.

Posted 6/25/2026full-timeAustin • Texas, Utah • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

Review residential mortgage loan files for accuracy, completeness, and compliance with agency, originator, and/or investor guidelines.
Identify conditions and findings; review trailing documents as needed.
Ensure all required documents are present and properly executed, including the Final Closing Disclosure, Note, Mortgage/Deed of Trust, Application, and other closing documentation.
Detect and resolve errors or discrepancies in loan files that may affect the sale or insurability of a loan.
Calculate income, debts, DTI, DSCR, and assets; review Entity documentation on borrowing entities.
Perform quality control checks and contribute to continuous process improvement.
Support audit preparation and respond to findings from investors or regulatory bodies.
Stay current on mortgage industry guidelines, regulatory changes, and investor overlays.
Maintain working knowledge of internal systems; test updates and revisions as needed.

Requirements

What you’ll need

5+ years of mortgage underwriting experience
2+ years of secondary market underwriting experience
Knowledge of Operational Underwriting
High School Diploma required; Associate's or Bachelor's in Finance, Business, or a related field preferred (or equivalent work experience)
Proficiency in Microsoft Office (Word & Excel), Outlook, Teams, and SharePoint

Benefits

Comp & perks

competitive salaries
stock options
medical, dental, and vision coverage
401(k)
short term and long term disability coverage
flexible vacation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

mortgage underwritingsecondary market underwritingoperational underwritingquality controlincome calculationdebt calculationDTI calculationDSCR calculationasset review

Soft Skills

attention to detailproblem-solvingprocess improvementcommunicationorganizational skills