NEO - Credit Analyst

Better is the first AI-native mortgage and home equity finance company, revolutionizing one of the largest financial markets in the world. We make home finance radically more transparent; using AI and proprietary technology to eliminate friction from the mortgage process through our industry-leading AI platform, Tinman, and the first voice-based AI mortgage assistant, Betsy. Our mission is simple: make homeownership cheaper, faster and more accessible by transforming how people buy and finance homes.

The facts that speak for themselves:

• We’ve funded over $110 billion in loans (more than any other fintech in the US!)

• Raised over $1.2 billion in equity capital to modernize the $15 trillion mortgage industry

• Better’s propriety AI platform makes us an award-winning lender:

  • Fintech Breakthrough Award 2025: Best Lending Innovation

  • Yahoo! Finance (Jan 2025): Best Mortgage Lender for First-Time Homebuyers – Best for quick approval

  • Yahoo! Finance (2025): Best Online Mortgage Lender

  • Money Magazine (2025): Best for fast closing

  • Forbes (2023): Best Online Mortgage Lender

We’re building the future of home finance - and we’re looking for smart, driven, ambitious innovators who are ready to tackle the most impactful work of their careers.

Essential Responsibilities and Duties:

• Application Analysis:

• Thoroughly review mortgage loan applications to ensure completeness, accuracy, and compliance with company policies and regulatory standards.

• Verify borrower information, employment details, credit reports, and other relevant documentation.

• Communication and Coordination:

• Act as a primary point of contact between borrowers, loan officers, underwriters, and other stakeholders.

• Communicate with clients to collect necessary documentation and address inquiries throughout the loan process.

• Document Preparation and Submission:

• Prepare and organize loan files for submission to underwriting, ensuring all required documentation is included.

• Collaborate with underwriters to address any additional documentation needs or conditions.

• Timeline Management:

• Monitor and manage loan processing timelines to ensure timely closings.

• Provide regular updates to all parties involved in the loan transaction.

• Compliance and Quality Assurance:

• Ensure strict adherence to regulatory requirements, company policies, and industry best practices.

• Conduct quality assurance checks on loan files to identify and address any discrepancies.

• Problem Resolution:

• Identify and resolve issues or challenges that may arise during the loan processing stage.

• Collaborate with team members and other departments to overcome obstacles and ensure a smooth process.

Non-Essential Job Duties and Responsibilities

• Adopts NEOs values in work behavior, decision making, contributions and interpersonal interactions.

• Promotes interdepartmental communication and culture.

• Lead, develop and motivate the team across all locations and operational functions.

• Continued focus to ensure all families (Internal and External) are receiving the best possible service.

Qualifications and Skills:

• Bachelor's degree in finance, business, or a related field is preferred.

• Or proven experience as a loan processor in the mortgage industry.

• In-depth knowledge of mortgage loan products, underwriting guidelines, and regulatory requirements.

• Strong analytical and problem-solving skills.

• Excellent communication and interpersonal skills.

• Detail-oriented with a focus on accuracy.

• Proficient in mortgage processing software and Microsoft Office applications.

Benefits:

• Competitive compensation reliant on ability and experience.

• Comprehensive healthcare, retirement, and voluntary benefits. Think medical, dental, vision, health savings accounts, 401k, and more.

• Personalized care and tools for realizing your mental health and wellness goals.

• Flexible PTO program second to none.

• Option for remote and hybrid work arrangements available.

• Additional benefit perks and discounts.