Remote Mortgage Credit Analyst

About the Opportunity

Imagine joining a forward-thinking team where innovation is part of the DNA and creativity meets precision in every task. As a Remote Mortgage Credit Analyst, you won't just be crunching numbers but shaping financial futures from the comfort of your home office. With a compelling blend of flexibility, autonomy, and professional development, this role allows you to make a real impact while working in an environment that values your ideas and rewards your growth.

Role Overview

We're seeking a sharp-minded, detail-savvy Mortgage Credit Analyst who can navigate the complexities of mortgage lending while bringing fresh perspectives. This is more than a remote job—it's a launchpad for financial storytelling through analysis. You'll evaluate credit risk, make strategic recommendations, and partner with underwriting and compliance teams to uphold the integrity of the loan portfolio.

Key Responsibilities

Credit Evaluation and Analysis

• Assess borrower creditworthiness by reviewing credit reports, income documents, tax returns, and debt-to-income ratios.
• Conduct in-depth credit analysis on mortgage loan files and identify potential risks.
• Deliver detailed credit summaries and present recommendations clearly and confidently.

Collaboration and Communication

• Work closely with underwriters, processors, and loan officers to ensure transparent communication and cohesive workflow.
• Serve as a key advisor in cross-functional meetings, bringing data-backed insights to drive smarter lending decisions.

Risk Management and Compliance

• Monitor evolving lending regulations to ensure all credit decisions comply with federal and state laws.
• Identify red flags or inconsistencies in applications and escalate concerns when necessary.
• Help implement internal credit policy improvements by offering thoughtful, data-driven input.

Tools and Technologies You’ll Use

Your toolkit will be stocked with industry-leading platforms such as Encompass, Fannie Mae’s DU, and Freddie Mac’s LPA. Proficiency in Microsoft Excel and credit evaluation software will be essential to your daily success. Familiarity with cloud-based collaboration platforms and remote communication tools will keep your workflow agile and efficient.

Work Environment and Culture

A Culture of Curiosity and Creativity

Here, questioning the status quo is encouraged and rewarded. You’ll be surrounded by teammates who geek out on data models and mortgage scenarios while appreciating a well-timed meme in the Slack channel.

Remote-First and Human-Centered

We believe that people do their best work when they feel trusted, supported, and connected—even across time zones. Our remote culture includes virtual team-building events, growth workshops, and a focus on mental well-being.

What You Bring to the Table

Must-Have Qualifications

• 3+ years of experience in credit analysis or mortgage underwriting.
• In-depth understanding of Fannie Mae, Freddie Mac, FHA, and VA guidelines.
• Strong analytical and problem-solving skills with a love for investigative work.
• Excellent written and verbal communication skills to translate data into decisions.

Preferred Skills

• Experience working remotely in a fast-paced environment.
• Exposure to data visualization or business intelligence tools like Tableau or Power BI.
• A proactive approach with a knack for simplifying complex data into actionable insights.

Growth and Development

This role isn’t just about what you can do—it’s about who you can become. We offer internal mobility, personalized mentorship, and access to certification support. If you’re looking to evolve into a senior credit strategist, portfolio risk advisor, or fintech innovator, we support that trajectory.

Compensation and Benefits

• Annual salary: $71,778
• Comprehensive health, dental, and vision insurance
• 401(k) with company match
• Generous PTO and paid holidays
• Home office stipend and wellness reimbursements
• Ongoing learning & development resources

Why This Role Matters

Mortgage lending isn’t just a transaction—it’s a trust. As a Remote Mortgage Credit Analyst, you’ll be at the heart of responsible lending practices, ensuring that every loan issued stands on a solid foundation. Your analytical rigor will empower families to access homeownership with clarity and confidence.

Apply Now – Let’s Shape the Future Together

Are you ready to bring your analytical flair to a team that sees you as more than a spreadsheet wizard? If you're passionate about responsible lending, collaborative problem-solving, and reimagining how credit analysis is done, we invite you to apply. Your next big career move begins with one bold step.