About Careertakes

👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.

Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.

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What You’ll Do

Confidential Client’s Mortgage Banking team is seeking an entry-level, detail-oriented Credit Analyst to support underwriting and credit reviews for warehouse lines of credit extended to independent mortgage banks and non-depository lenders. This role is a strong fit for candidates eager to learn credit analysis, underwriting, and loan monitoring within mortgage banking.

• Analyze financial statements, credit reports, and business performance data for warehouse borrowers.
• Assist in underwriting new warehouse credit facilities and completing annual borrower reviews, including spreading financials and preparing credit memorandums.
• Monitor collateral positions by reviewing daily loan-level reports, aging schedules, and funding activity to identify concentration risk or covenant issues.
• Conduct quarterly loan reviews assessing financial performance, portfolio quality, and compliance with credit agreement covenants; promptly escalate exceptions to senior credit officers.
• Collaborate with relationship managers and operations teams to support onboarding and amendments for new facilities.
• Drive project work and process improvement initiatives as assigned.

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Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, Business, or equivalent experience.
• 0–2 years experience in financial services, banking, lending, or a credit-related role (internship or entry-level acceptable).
• Basic understanding of credit analysis concepts, financial statements, and loan documentation.
• Proficiency in Microsoft Excel and other Office tools.
• Strong attention to detail and ability to manage multiple files and priorities simultaneously.
• Excellent written and verbal communication skills.
• Self-motivated with a desire to grow within the mortgage banking industry.

Nice-to-haves:

• Exposure to loan documentation, credit file management, or document tracking.
• Familiarity with loan administration workflows and mortgage banking operations.

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Compensation & Benefits

• Target pay range: $20.00 per hour – $27.00 per hour. Actual starting pay will vary based on geographic location, experience, skills, specialty, and education.
• Eligible for discretionary bonus programs (targets noted in client materials).
• Benefits may include:
  • Medical, dental, vision, and life insurance
  • Paid sick leave, vacation, and holidays
  • HSA or FSA options and other voluntary benefits
  • 401(k) retirement plan with employer match and 529 savings plan
  • Employee mortgage loan program and access to banking products

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Other Important Information

• All offers are contingent upon successful completion of pre-employment checks, including criminal background check, credit check, and drug screening (note: federal regulations may require disqualification for certain positive drug test results).
• Confidential Client participates in E-Verify where applicable and complies with federal and state right-to-work requirements.
• Typical work requires extended periods of sitting and standard office equipment use. Reasonable accommodations will be provided where appropriate.

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Equal Opportunity & Hiring Transparency

Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.

If you have questions about how your data is used, please contact us directly.