Credit Analyst

Setpoint.io

Credit Analyst reviewing residential mortgage loans for Setpoint, which provides capital and technology infrastructure for asset-backed lending. Checking compliance, documents, calculations, discrepancies, quality controls, and audit readiness.

Posted 8/4/2026contractRemote • Austin • Texas, Utah • 🇺🇸 United StatesMid-LevelSenior💰 $40 per hourWebsite

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 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 that may affect loan sale or insurability
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
Review residential mortgage loans for Setpoint/inTENT, which provides operational infrastructure and third-party review and diligence services for the residential lending industry

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
Equivalent work experience accepted as an alternative to the required high school diploma
Proficiency in Microsoft Office, including Word and Excel
Proficiency in Outlook, Teams, and SharePoint
Detail-oriented approach to maintaining complete loan files
Ability to work independently and manage priorities
Ability to work quickly and accurately in a high-volume environment
Deep knowledge of agency, investor, and regulatory guidelines
Ability to articulate findings and discrepancies clearly in writing and conversation
Ability to adapt to changing guidelines and collaborate across functions

Benefits

Comp & perks

Upon conversion to full-time: competitive salary
Stock options upon conversion to full-time
Medical coverage upon conversion to full-time
Dental coverage upon conversion to full-time
Vision coverage upon conversion to full-time
401(k) upon conversion to full-time
Short- and long-term disability upon conversion to full-time
Flexible vacation upon conversion to full-time
Paid biweekly during the 1099 contract period