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Senior Credit and Income Analyst

AltisourceBengaluru
On-site Full-time

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Experience Level

Experience

Qualifications

Master's Degree or Bachelor's Degree in a relevant field. A minimum of 5 years of experience in retail US residential mortgage banking, with a strong focus on QC, post-closing, and pre-funding processes.

About the job

  • Conduct thorough quality control audits for post-loan closing and pre-funding processes. Ensure all documentation is accurate and complete prior to the release of loan documents, and verify post-closing documentation for accuracy, confirming the presence and proper execution of all supporting documents. Document and report any loan exceptions found during the review process.
  • Possess expertise in RADD, forensic reviews, and QM (Conventional, FHA, VA, USDA), as well as non-QM and portfolio loan assessments.
    • Review credit and income details; calculate income from employment, self-employment, rental sources, and any other income streams.
    • Identify potential red flags in loan files through comprehensive reviews of income documentation, asset information, credit reports, fraud reports, and exclusionary lists.
  • Analyze entity documentation to gain insights into business structures and authorized signers.
  • Familiarity with relevant federal regulations and state laws is advantageous.
  • Demonstrate the ability to prioritize tasks and interpret policies, programs, and guidelines effectively.
  • Exhibit strong attention to detail, excellent organization, and communication skills.
  • Manage multiple tasks, embrace new responsibilities, and prioritize effectively within a deadline-driven environment.
  • Showcase strong interpersonal and teamwork abilities, with the capacity to influence through collaboration.
  • Be self-motivated, displaying high personal energy and commitment.
  • Be open to working night shifts as required.

About Altisource

At Altisource (NASDAQ: ASPS), we are at the forefront of developing innovative technologies and services tailored for the mortgage and real estate industries. Our partnerships with 7 out of the top 10 mortgage servicers, management of one of the top three real estate auction websites, and a cooperative representing over 15% of the $1.8 trillion US originations market illustrate our industry impact. Innovation Starts with YOU!Our vision to drive innovation within the mortgage and real estate lifecycle is supported by an inclusive culture that values diverse perspectives. We believe that diversity in gender, age, religion, ethnicity, sexual orientation, identity, physical ability, neurodiversity, socioeconomic background, and experience fosters creativity and strengthens our company.

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