loan analyst

Sunstone Real Estate Advisors

<div>
 
 Sunstone Real Estate Advisors, the largest national brokerage firm focused exclusively on manufactured housing &amp; RV communities, seeks a talented
 
 Financial Analyst
 
 to join our growing team based out of San Diego, California.
 
 
 
 
 
 The
 
 Financial Analyst
 
 will work collaboratively with the underwriting in analyzing individual assets and portfolios, conducting market research, and partnering with the operations team to produce quotes for incoming loan requests, broker opinions of value (BOV&rsquo;s) and offering memoranda (OM&rsquo;s).
 
 
 
 
 
 The
 
 Financial Analyst
 
 possess a high-level understanding of commercial real estate underwriting and fundamental metrics, excellent analytical skills, and strong communication skills.
 
 
 
 
 
 A day in the life of a successful
 
 Financial Analyst
 
 includes, but is not limited to:
 
 
 
 
 <ul>
 <li>
 Reviewing and analyzing financial statements, rent rolls, leases, and other materials for the purposes of property, portfolio, and loan underwriting and analysis
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Performing detailed market research and gathering and reviewing comparable data
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Modeling different scenarios to determine whether a loan fits with the firm's lending criteria
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Partnering with the Executive Managing Directors, Underwriters, Operations team, Brokers, and other internal/external stakeholders on the evaluation of potential opportunities
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Communicating with capital sources, buyers, and sellers to achieve ideal outcomes for the firm&rsquo;s clients
 </li>
 </ul>
 
 
 
 
 The ideal
 
 Financial Analyst
 
 possesses the following skills &amp; experience:
 
 
 
 
 <ul>
 <li>
 1-3 years' experience in a similar CRE Analyst role, ideally in a banking, alternative lending, or investment sales or debt/equity brokerage environment
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 An intimate understanding of the life of a commercial loan or sale from origination through successful closing
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 The ability to work independently, and as a member of a collaborative team
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 Superb time management, organizational, and communication skills
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 A strong work ethic, able to co-manage a highly active loan pipeline
 </li>
 </ul>
</div>

Financial Analyst

Community Bankshares

<div>About Phoenix Lender Services 
Phoenix Lender Services: Empowering Growth, Simplifying Servicing, and Delivering Value. 
At Phoenix Lender Services, we are dedicated to helping lenders unlock their full potential. Our specialized team, experts in USDA and SBA government-guaranteed lending, navigates the complex application process from start to finish, eliminating the need for lenders to invest in additional overhead. By streamlining this intricate process, we allow both traditional and non-traditional lenders to concentrate on their core objectives without building dedicated departments for loan requests.
Together, we pave the way for success, fostering innovation and efficiency in the lending industry. 
Based in Georgia and serving clients nationwide, Phoenix Lender Services offers a comprehensive suite of solutions, including access to capital, loan underwriting, loan servicing, portfolio management, compliance reviews, and risk analysis. Our seasoned professionals combine extensive industry expertise with cutting-edge technology to provide tailored strategies that align with each client&rsquo;s unique goals. 
Phoenix Lender Services: Your partner in fueling growth, revolutionizing lending, and creating sustainable value. 
Position Summary: 
The AVP &ndash; Senior Portfolio Analyst is primarily responsible for providing assistance and support for closed SBA 7a, SBA SLA, SBA Express, SBA 504 and SBA PPP loans. This position is also responsible for managing all aspects of the SBA portfolio including working closely with clients to optimize opportunities, ensure compliance with SBA and government policies, and monitor risk. The AVP Senior Portfolio Analyst will assist the SVP - Special Assets in handling problem SBA loans. 
Job Duties/Responsibilities: 
<ul><li>
Maintain existing SBA portfolio by monitoring tickler items, required financials, etc. to ensure compliance with government policies.</li><li>
Process servicing actions in accordance with the SBA Servicing and Liquidation procedures.</li><li>
Respond to all client inquiries and requests regarding releases, subordinations, and substitutions of collateral, and loan payoff demand requests.</li><li>
Maintain up to date knowledge of bank policies, with advanced knowledge of SBA loan policies and procedures, as well as some knowledge of underwriting, processing and servicing of SBA loans.</li><li>
Complete Post Closed SBA file reviews on new SBA loans.</li><li>
Acquire, execute and/or complete any necessary documentation required for a clean file to ensure readiness for internal and external audits.</li><li>
Perform annual reviews in accordance with SBA and internal credit guidelines.</li><li>
Review and monitor documents for collection efforts as needed for insurance and real estate taxes and payoff and collateral releases.</li><li>
Assist in managing past due and maturing loans by monitoring portfolio for delinquencies.</li><li>
Prepare deferment requests to be approved by their manager. Document them in the borrowers&rsquo; loan folder.</li><li>
Understand and adhere to the organization&rsquo;s SBA Loan Policy and the SBA SOP compliance rules and regulations.</li><li>
Ensure deficiencies are accurately resolved and documentation is received within established deadlines and escalate all unresolved issues to management, where appropriate.</li><li>
Work closely with the Portfolio Manager in providing reporting to the organization&rsquo;s Senior Management as needed.</li><li>
Complete all assigned mandatory and regulatory training within required time frames.</li><li>
Assists SVP &ndash; Special assists with problem SBA loans.</li><li>
Maintain a work area which ensures the safety and confidentiality of all customer records and transactions.</li><li>
Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.</li><li>
Confidently embody Community Bank &amp; Trust &ndash; West Georgia&rsquo;s Mission, Vision and Values.</li><li>
Represent Community Bank &amp; Trust &ndash; West Georgia in the community and at community events.</li><li>
Perform all other duties as assigned.</li></ul> 
Required Skills/Abilities:<ul><li>
Working knowledge of PCFS &ndash; Loan Manager.</li><li>
Strong organizational skills, high level of accuracy and attention to detail.</li><li>
Excellent time management and multi-tasking skills and ability to set goals, meet deadlines, prioritize work and handle interruptions while maintaining focus on results and quality.</li><li>
Excellent written and oral communication skills, including the ability to read and interpret written information, recall written and oral instructions provided by others, edit documents for accuracy, grammar and spelling, write clearly and informatively and communicate information with clarity, tact and diplomacy.</li><li>
Ability to establish and maintain effective working relationships with co-workers, customers and vendors. Ability to work effectively both independently and as part of the team.</li><li>
Proficiency in using Microsoft Office Suite and banking/loan software programs and platforms.</li></ul> 
 Education and Experience:<ul><li>
An undergraduate degree in business, accounting, or finance, or a related field or an equivalent combination of training and experience.</li><li>
Minimum of 3 years of experience in commercial/SBA lending.</li><li>
Minimum of 2 years SBA Loan Servicing Assistance.</li></ul> 
Physical Demands and Work Environment:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform the functions.
While performing the duties of this position, the employee is regularly required to communicate. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled.
_______________________________________________________________
Note:
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.
This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an &ldquo;at-will&rdquo; relationship.</div>

AVP - Senior Portfolio Analyst

Berkadia

<div>
 Are you looking for the opportunity to make an impact?
 
 
 Berkadia&rsquo;s mortgage banking platform is consistently ranked among Fannie Mae, Freddie Mac and HUD&rsquo;s top lenders and is seamlessly integrated with our investment sales and servicing platforms to provide superior client service. Let the strongest research, technology, capital relationships, and a nationwide network of industry professionals propel you to the next stage of your commercial real estate career.
 
 Be Backed by the Best. Be Berkadia.
 
 
 
 The Real Estate Analyst will work closely with commercial loan originators on complex commercial mortgage deals. The analyst will focus on reviewing and evaluating new loan opportunities and serve as a key point of contact for tracking the progress of those opportunities through the loan cycle, assisting with the marketing of our products and services to potential customers and interacting with the borrowers through the underwriting process.
 
 
 
 We Innovate to shape the future of CRE, so in this role you will:
 
 
 
 <ul>
 <li>
 Review and analyze current and historical income and expenses of a property, along with market data, to determine the potential terms and conditions of the loan.
 </li>
 <li>
 Prepare loan submission packages for lender review and communicate with lenders.
 </li>
 <li>
 Compile, add, and maintain quotes to present to clients and track internally.
 </li>
 <li>
 Maintain communication with the borrower and mortgage banker throughout the process from quote to close.
 </li>
 <li>
 Facilitate information flow during due diligence/underwriting stage. Answer questions from lenders generated by the submission and research, analyze and provide additional information on request, including third party reports.
 </li>
 <li>
 Assist in maintaining vendor relationships, soliciting, and organizing report bids and arrange due diligence collection and site inspections.
 </li>
 <li>
 Ability to travel 1x or more per month for site inspections, meetings, and industry events.
 </li>
 <li>
 Other duties as assigned.
 
 
 </li>
 </ul>
 
 We Stand for Excellence, so to achieve success in this role you should have:
 
 
 
 <ul>
 <li>
 Effective communication skills, both written and verbal.
 </li>
 <li>
 Attention to detail, accuracy, and consistency
 </li>
 <li>
 Ability to work collaboratively in a team environment, manage deadlines, and adapt to changes.
 </li>
 <li>
 Enthusiasm and a willingness to learn.
 </li>
 <li>
 Ability to maintain confidentiality and adhere to organization policies and procedures.
 </li>
 <li>
 Bachelor&rsquo;s degree or equivalent
 </li>
 <li>
 1-3 years prior experience in a similar position.
 
 
 </li>
 </ul>
 
 We believe People Matter, so we offer benefits that go beyond:
 
 
 
 <ul>
 <li>
 Monthly paid volunteer hours and donation matching to benefit our communities
 </li>
 <li>
 Employee Resource Groups that help you grow with us
 </li>
 <li>
 Fertility and family planning services
 </li>
 <li>
 Up to 12-weeks of fully paid parental leave
 </li>
 <li>
 Mental health care, including free counseling sessions:
 </li>
 <li>
 We'll help you fund your learning journey with generous tuition reimbursement
 </li>
 <li>
 Pet insurance discounts
 </li>
 <li>
 And more!
 
 
 </li>
 </ul>
 
 Be the Next Big Thing. Be Berkadia.
 
 
 
 The provided base salary information for this position is part of an overall national range. The actual salary within our range for this position will be determined by several factors, including but not limited to the scope, complexity and location of the role, the skills, education, training, credentials, and experience of the candidate. The total compensation package for this role may also include additional incentive opportunities.
 
 
 
 Compensation
 
 
 
 $70,000&mdash;$85,000 USD
 
 
 Berkadia, as an equal opportunity employer, celebrates our employees&rsquo; unique differences, which we believe drives personal and company-wide innovation and creates a people-first culture where your career can take the long view. To achieve these goals, we are committed to the full inclusion of all qualified individuals, without regard to race, religion, age, color, national origin, gender, sexual orientation, gender identity or expression, marital status, domestic partner status, military and veteran status, disability, pregnancy, parental status, genetic information, political affiliation, or any other status protected by federal, state and local laws.
 
 
 In keeping with our commitment, Berkadia takes the necessary steps to provide a workplace free from harassment and discrimination, as well as access and reasonable accommodations for individuals with disabilities. If you require reasonable accommodation to take part in the interview process, please contact talentacquisition@berkadia.com.
 
 
 You have rights under Federal and State employment laws. No question in this Application is intended to elicit information in violation of any such law, nor will any information obtained in response to any question be used in violation of any such law. If you apply for this role, you are acknowledging Berkadia's Application Policy and Berkadia's Privacy Policy. Please click the following links for more information about: EEOC, Employee Rights under the FMLA, EPPA.
 
 
</div>

Real Estate Analyst

Progress Residential

<div>Selene Holdings is a multiple-lines business financial services firm with a mortgage servicing company, a loan diligence company, a title company, an insurance brokerage, and a real estate owned company. We have office locations in Dallas, TX, Jacksonville, FL, and Salt Lake City, UT. Founded in 2007 to address needs in the mortgage industry, Selene strives to provide amazing client and borrower experiences. A positive attitude coupled with proven creative thinking and actions are all attributes we seek in every one of our employees. If you want to make a difference, then Selene is the place for you!
Position Summary: The Loan Advisory Analyst is a customer-facing position responsible for initiating, tracking and responding to verbal and written research requests, escalated concerns from guarantors, investors, management and regulatory entities. The position engages with customers and entities, primarily through digital channels to complete research and resolution to advisors, customers, management and investors.
Essential Duties and Responsibilities include the following:<ul><li>
Perform complex transactional, operational and loan level research requests to include, but not limited to, researching, responding and fulfilling requests, preparing and/or procuring documentation to fulfill customer requests.<ul><li>
Interactions with customers will primarily be through digital channels including, but not limited to email and SMS. Voice interactions, while less frequent, will also be used to communication with customers.</li><li>
Research and resolve transactional inquiries including items including, but not limited to payments, taxes, and insurance on single and multi-collateral loans.</li><li>
Investigate and resolve loan documentation discrepancies stemming from loan origination and boarding.</li><li>
Communicate and research interdepartmentally to resolve escrow, payment posting and ACH issues.</li><li>
Monitor system changes resulting from research results.</li><li>
Deliver research results verbally and/or in writing to guarantors, advisors, management and investors.</li><li>
Document system of record with results and resolution of research.</li></ul></li><li>
Effectively oversee execution of Loan Advisory Group full and partial payoff request.<ul><li>
Process and image incoming full and partial lien release payoff requests.</li><li>
Initiate payoff statements through the Special Loans and Customer Service departments.</li><li>
Document system of record with status of requests.</li><li>
Respond to guarantors, advisors and authorized third parties via email on payoff status.</li><li>
Track payoff fund application, deactivation of property in system of record, stop escrow disbursements and monitor lien releases through Collateral department.</li><li>
Communicate results to guarantors and advisors through verbal or digital channels.</li></ul></li><li>
Generate team reports and scorecards to determine strategic initiatives needed to maximize customer and investor satisfaction and results.<ul><li>
Distribute department reporting daily including but not limited to investor delinquency reports, NSF reports, advisor exceptions, etc.</li><li>
Update and maintain Advisor Scorecards on a monthly basis. Responsible for distribution to management, advisors and investors.</li></ul></li><li>
Achieve production goals (KPI&rsquo;s- Key Performance Indicators) set by Management.</li></ul>
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The qualified candidate must possess 3-5 years of direct or related experience in each of the following:<ul><li>
Working knowledge of Business Purpose/Commercial Loans secured by single family residential property.</li><li>
Experience working in a Contact Center in Mortgage Servicing.</li><li>
Extensive understanding of escrow, escrow analysis, payment histories, billing and 1098 statements</li><li>
Expansive knowledge related to cross collateralized servicing, partial lien release processing</li><li>
Comprehensive understanding of property preservation, i.e. code violation resolutions, hazard claim resolution</li><li>
Excellent attention to detail, strong analytical/resolution skills, and use of sound judgement</li><li>
Ability to multi-task, meet deadlines and stay organized</li><li>
Excellent verbal &amp; written professional communication skills</li><li>
Ability to work in a team environment and independently</li><li>
Strong advisory skills via telephone, email, and other various platforms</li></ul>
Competencies: To perform the job successfully, an individual should demonstrate the following:
Adaptability - Adapts to changes in the work environment. Manages competing demands. Changes approach or method to best fit the situation. Able to deal with frequent change delays, or unexpected events.
Business Ethics&ndash; Treats people with respect. Keep commitments. Inspires the trust of others. Works with integrity and ethically. Upholds organizational values.
Communications- Expresses ideas and thoughts verbally. Expresses ideas and thoughts in written form. Expresses ideas and thoughts in written form. Exhibits good listening and comprehension. Keeps others adequately informed. Selects and uses appropriate communication method.
Customer Service- Displays courtesy and sensitivity. Manages difficult or emotional customer situations. Meets commitments. Responds promptly to customer needs. Solicits customer feedback to improve service.
Dependability- Responds to requests for service and assistance. Follows instructions, responds to management direction. Takes responsibility for own actions. Commits to doing the best job possible. Keeps commitments. Meets attendance and punctuality guidelines.
Teamwork- Balances team and individual responsibilities. Exhibits objectivity and openness to others' views. Gives and welcomes feedback. Contributes to building a positive team spirit. Puts success of team above own interests.
Education/Experience: High school diploma or general education degree (GED) required. Associate/Bachelor&rsquo;s degree preferred. Two to four years related experience and/or training required. Relationship management preferred with emphasis on excellent customer experience.
Language Ability: Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
Mathematical Ability: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
Reasoning Ability: Ability to apply common sense understanding to carry out detailed written or oral instructions with minimal supervision. Ability to deal with problems involving a few concrete variables in standardized situations.
Computer Skills: Working knowledge of and experience with Microsoft Office (Word, Excel, PowerPoint, One Drive and Outlook). Previous experience with MSP preferred.
Certificates and Licenses: N/A
Supervisory Responsibilities: N/A
Travel: Some travel maybe required.
Work Environment:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position works in a typical office environment with moderate noise levels.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The employee is regularly required to sit while working at a desk, occasionally standing, walking, and using hands to lift and/or move up to 10 pounds. May also climb or balance; stoop, kneel, crouch or crawl. Needs to be able to talk and hear, but no special vision is required beyond the ability to see in order to read.
The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as assigned by their supervisor.<h1 class="jobSectionHeader">
Why Selene?</h1>
Benefits 
Selene Finance LP is committed to the total wellbeing of its employees and therefore offers one of the best benefits packages available in the industry today, which includes:<ul><li>
Paid Time Off (PTO)</li><li>
Medical, Dental &amp;Vision</li><li>
Employee Assistance Program</li><li>
Flexible Spending Account</li><li>
Health Savings Account</li><li>
Paid Holidays</li><li>
Company paid Life Insurance</li><li>
Matching 401(k) Plan</li></ul> 
The job requirements listed above are representative of the knowledge, skills, and/or abilities required. This job description is not an inclusive list of all duties and responsibilities of this position. Incumbents will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. Selene reserves the right to amend and change responsibilities to meet business and organizational needs.
Privacy Policy - Selene (seleneadvantage.com)</div>

Commercial Analyst - Loan Advisory Group

BankByChoice

Credit Analyst &ndash; SME Business Loans (Fintech)Job Type: Full-time Industry: FintechJob OverviewWe are seeking a Credit Analyst to evaluate SME business loan applications and perform underwriting within a fintech lending environment. The role involves assessing credit risk, analyzing financial data, and making approval or decline decisions in line with company credit policies.Key Responsibilities<ul><li>Review SME loan applications</li><li>Perform credit analysis and underwriting</li><li>Analyze financial statements and bank statements</li><li>Assess credit risk and repayment capacity</li><li>Approve or decline loan applications</li><li>Prepare credit notes and maintain documentation</li><li>Ensure compliance with internal credit policies</li><li>Coordinate with sales and operations teams</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business, or Economics</li><li>2&ndash;5 years experience in credit analysis or SME lending</li><li>Knowledge of financial statement analysis</li><li>Strong analytical and decision-making skills</li><li>Proficiency in Excel and financial tools</li></ul>What We Offer<ul><li>Competitive salary</li><li>Performance-based incentives</li><li>Opportunity to work in a fast-growing fintech company</li><li>Exposure to SME lending and fintech credit underwriting</li><li>Paid annual leave and company benefits</li></ul>Job Types: Full-time, PermanentWork Location: In person

Credit Analyst – SME Business Loans (Fintech)

GreenStone Farm Credit Services

<div>
 Are you an experienced Credit Analyst looking for a dynamic and fulfilling career opportunity in the agriculture lending space? Greenstone Farm Credit Services invites you to be a part of our growing family and make a real impact on the communities we serve.
 
 
 We are seeking an experienced Credit Analyst to join our team. In this role, you will be at the forefront of the credit approval process, offering your expertise on medium to moderately larger loan requests. Your contributions will directly impact the soundness and comprehensiveness of our credit decisions, ensuring the financial well-being of the communities we serve.
 
 
 
 Get to know GreenStone
 
 
 
 Our $15 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.
 
 
 
 Culture
 
 
 
 Core Four values steer everything we do at GreenStone. Customer First, Deliver Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.
 
 
 
 What can we offer you?
 
 
 
 GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.
 
 
 GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:
 
 
 <ul>
 <li>
 15 vacation days, 12 sick days, and 12 paid holidays per year
 </li>
 <li>
 16 hours of volunteer time
 </li>
 <li>
 Paid parental leave
 </li>
 <li>
 401(k) plan &ndash; up to a 9% employer contribution/match
 </li>
 <li>
 Medical, Dental, Vision, STD, LTD, Life/AD&amp;D benefits, etc.
 </li>
 <li>
 $150/year Logo Wear allowance
 </li>
 <li>
 $400/year Wellness Subsidy/Reimbursement &amp; wellness programs
 </li>
 <li>
 $6,000 lifetime maximum Student Debt repayment program
 </li>
 <li>
 Yearly bonus/incentive opportunity available to all benefit eligible employees
 
 
 </li>
 </ul>
 
 Day in the life of a Credit Analyst
 
 
 
 <ul>
 <li>
 Detailed Analysis: Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
 </li>
 <li>
 Financial Analysis: Conduct comprehensive financial analysis, evaluate earnings data, prepare income projections, and compile comparative data using similar farms or credit standards. Utilize your skill in ratio analysis to assess creditworthiness.
 </li>
 <li>
 Loan Narratives: Prepare and present detailed loan narratives that provide a comprehensive view of the applicant's capital, capacity, collateral, conditions, key risks, mitigants, and recommendations for approvals. You may also contribute to the character section.
 </li>
 <li>
 Portfolio Management: Assist in portfolio management by monitoring specific loan covenants and ensuring borrowers meet their financial obligations. Your role is critical to safeguarding the organization's interests.
 </li>
 <li>
 Legal Documentation: Review legal documentation associated with loan requests to ensure that credit terms align with our risk appetite and credit policies, reducing risks and maintaining consistency.
 </li>
 <li>
 Market Insights: Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions. Your knowledge will be invaluable in adapting to evolving financial landscapes.
 </li>
 <li>
 Collaboration: Work closely with cross-functional teams to ensure that customer loan applications are processed efficiently through closing. Your collaboration will help ensure that our customers receive the support and financial solutions they need in a timely manner.
 
 
 </li>
 </ul>
 
 What Experience can you Bring?
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree is required. Degree in business, accounting, agriculture business management or related field is preferred.
 </li>
 <li>
 Deep understanding of credit analysis underwriting, risk assessment and financial modeling on larger, more complex requests.
 </li>
 <li>
 Strong analytical and problem-solving skills.
 </li>
 <li>
 Exceptional attention to detail and accuracy.
 </li>
 <li>
 Excellent communication and teamwork abilities.
 
 
 </li>
 </ul>
 
 What will set you Apart?
 
 
 
 <ul>
 <li>
 1+ years in credit analysis/underwriting, financial services, or agricultural lending experience.
 </li>
 <li>
 Agriculture background
 </li>
 <li>
 Knowledge of GAAP accounting principles.
 </li>
 <li>
 Experience with commercial lending concepts, terminology, and commercial credit analysis
 
 
 </li>
 </ul>
 GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.
</div>

Credit Analyst / Senior Credit Analyst

Home Mortgage Alliance Company (HMAC)

Overview Home Mortgage Alliance Corporation is seeking a highly analytical and detail-oriented Pricing Analyst to join our Secondary Marketing team. This individual will play a critical role in managing and ensuring accuracy and consistency across all pricing engines, rate sheets, and investor guidelines.Why Join us?<ul><li>Be part of a growing platform where pricing matters and execution counts.</li><li>Work in a collaborative environment with a focus on professional growth.</li><li>Opportunity to make a measurable impact on business performance.</li></ul>Responsibilities<ul><li>Monitor and maintain accuracy of all pricing engines and systems.</li><li>Analyze loan-level pricing adjustments (LLPAs) and ensure alignment with investor guidelines.</li><li>Support the Secondary Marketing team in pricing strategies for conventional, Non-QM, and wholesale products.</li><li>Generate and distribute pricing reports, providing actionable insights to lending teams.</li><li>Identify opportunities to improve pricing accuracy, efficiency, and execution.</li><li>Create and prepare reports.</li><li>Other duties as assigned.</li></ul>Qualifications<ul><li>Strong understanding of mortgage pricing, rate sheets, and loan-level adjustments (LLPAs).</li><li>Experience with Non-QM, wholesale, or secondary market operations is a plus.</li><li>Excellent analytical and problem-solving skills.</li><li>Advanced Excel skills, including formulas, pivot tables and data analysis.</li><li>Detail-oriented with the ability to manage multiple priorities in a fast-paced environment.</li><li>Strong communication skills and ability to work collaboratively across teams.</li><li>High School graduate or equivalent.</li></ul>Join our dynamic team where your expertise will contribute significantly to our success in delivering exceptional service.Compensation is based upon experience. Job Type: Full-timePay: $80,000.00 - $120,000.00 per yearBenefits:<ul><li>401(k)</li><li>Dental insurance</li><li>Health insurance</li><li>Paid time off</li><li>Vision insurance</li></ul>Experience:<ul><li>Mortgage Lending Pricing : 2 years (Required)</li></ul>Ability to Commute:<ul><li>Santa Ana, CA 92707 (Required)</li></ul>Work Location: In person

Mortgage Lending Pricing Analyst – Santa Ana, CA

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