Mortgage Credit Risk Analyst

Computershare, Inc
Published
July 1, 2020
Location
Ponte Vedra Beach, FL
Category
Job Type

Description

We have a unique opportunity for someone to contribute their talents and strengths as a Credit Risk Analyst

A COMPANY TO BE PROUD OF

At Computershare we invite you to share our vision and commitment to excellence in everything that we do. Our 12,000 people around the globe are entrepreneurial and innovative, serving 16,000 clients and customers with precision and reliability because they count on us to deliver, every time. 

Computershare (ASX: CPU) is a global market leader in transfer agency and share registration, employee equity plans, mortgage servicing, proxy solicitation and stakeholder communications. We also specialize in corporate trust, bankruptcy, class action and utility administration, and a range of other diversified financial and governance services.

Founded in 1978, Computershare is renowned for its expertise in high integrity data management, high volume transaction processing and reconciliations, payments and stakeholder engagement. Many of the world’s leading organizations use us to streamline and maximize the value of relationships with their investors, employees, creditors and customers.

Computershare is represented in all major financial markets and has over 12,000 employees worldwide.

DIVERSITY IS A STRENGTH

Across our global team, we see diversity as a source of strength. The more perspectives we have, the better equipped we’ll be to meet the demands of our diverse global customer base. We want every person who joins out team, every customer and every supplier to feel welcome. We are an Equal Opportunity Employer and believe in equality for everyone, regardless of age, national or ethnic origin, sex, gender identity or expression, race, color, religion, disability, sexual orientation, protected veteran status or other characteristics protected be applicable law. That applies throughout our company, around the world with no exceptions, regardless of differences. We will hire, develop, reward, promote and retain people purely on the basis of their talents, commitment, potential and the results they achieve. We will work hard to make sure everyone is included within our organization, removing barriers and obstacles to give everyone an equal opportunity to succeed.

OUR VALUES

Our key values – Certainty, Ingenuity and Advantage – drive everything we do: you can count on us to deliver with precision and reliability, every time. We look beyond today’s problems to find tomorrow’s solutions, focusing on finding new and better way to unlock your competitive edge and help you achieve your business goals.

A ROLE YOU WILL LOVE

The Credit Risk Analyst is looked to as the subject matter expert for Agency guidelines, products, and programs, and is primarily responsible for managing all aspects of the company’s post-closing quality control program, as well as the ongoing development and maintenance of internal credit policy. This individual will review QC Vendor audits, work with various counterparties to remediate loan defects, and identify key risk trends that may impact loan saleability and a counterparty’s approval to continue to sell loans into the company’s co-issue program.  Additionally, this individual will also be responsible for the management of company contracts, and provide support to the Credit Risk team by assisting with the administration and maintenance of the company’s various selling guides and completing reporting requirements associated with quality control, file requests, repurchases, and other related credit functions. This position requires expert mortgage underwriting and credit knowledge, clear communication skills, outstanding customer service, and proven problem solving and common sense decision making skills, as well as advanced computer, reporting, and technical abilities. The successful candidate will have significant interaction with both internal and external parties at varying levels, and must have the ability to thrive in a fast paced environment.

Primary Accountabilities

  • Review and analyze third party quality control audits by utilizing expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation. Manage the loan-level rebuttal process between counterparties and QC vendor and provide appropriate feedback when required. Perform quality control audits to evaluate QC Vendor performance, accuracy of defects, and ensure compliance with scopes of work. Complete a review of AUS findings, analyze loan information, verify credit and file quality and obtain any applicable missing/additional documentation when required.

  • Actively participate in the Loan Review Subcommittee by completing loan-level delinquency reviews, presenting findings, recommending action plans for outstanding loan-level issues, and recording all decisions by maintaining accurate reporting. 

  • Manage and maintain the MSR contract database within Salesforce.com, ensuring all information is input, accurate, and electronic documents are properly stored. Perform a variety of communication and administrative tasks to include formatting, editing, and distribution of department letters and fully contracts.

  • Draft and maintain of the company’s various selling guides by coordinating with the Agencies and business/process owners to ensure documentation is reflective of accurate processes and guidelines. 

  • Assist with the development and upkeep of departmental reporting.

  • Cross train to assist in other areas as needed. Other duties or task assigned by management.

WHAT WE NEED FROM YOU

  • Ability to understand and interpret policy, and effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings and responses in a clear and concise manner

  • High proficiency in MS Office including Word, advanced level Excel, and Power Point

  • Strong writing, grammar, punctuation and editing skills and experience

  • Excellent interpersonal communication skills (written and verbal) and an ability to foster internal and external business relationships to achieve needed results

  • Strong analytical skills with the ability to identify risk and provide recommendations and/or resolutions to minimize risk.

  • Ability to work independently as well as collaboratively within a team environment, and takes initiative on projects with limited supervision

  • Excellent organizational skills with the ability to prioritize and multi-task with competing priorities and deadlines

KEY 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.

Education and Experience

Required:

  • Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

  • Minimum 3 years of mortgage experience, preferably in underwriting and/or quality control

Preferred:

  • 5 years of mortgage experience, preferably in underwriting and/or quality control

  • Strong knowledge of Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines and applicable laws and regulations

  • Familiarity with servicing advance and loan accounting concepts

Language Ability

Ability to read/analyze/interpret complex documents; respond to sensitive inquiries/complaints; write speeches/articles using original techniques/style; make speeches/presentations on controversial/complex topics to mgmt./public groups/boards of directors

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.

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.

  • The noise level in the environment is moderate

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.

  • Sedentary work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

REWARDS AS UNIQUE AS YOU

  • A choice medical insurance plans designed to meet your needs

  • Dental & Vision insurance

  • Life & Disability insurance

  • Flexible spending and health savings accounts

  • Employee Stock Purchase Plan

  • Paid time off - You’ll accrue 3 weeks your first year!

  • Nine Holidays

  • $1,000 Employee Referral Program

  • Wellness programs

  • Matching 401(k)

  • Tuition Reimbursement

  • Banking and investments plans

  • Rewards and recognition programs

  • Employee discounts for wellness, auto & homeowners insurance, wireless service and more…

To learn more, visit us at www.computershare.com/mycareer.

Your career is waiting.

Computershare is an Equal Opportunity Employer.  Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national or ethnic origin, age, disability, protected veteran status, or other characteristics protected by applicable law.

 *CB

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