Credit Analyst

U.S. Bank • Glendora, CA

10d • $26 - $34 • Hybrid

About The Position

This role requires working from a U.S. Bank location three (3) or more days per week. This role is responsible for reviewing condominium and cooperative housing projects to determine eligibility under investor, regulatory, and lending guidelines. The Project Analyst conducts detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records, property inspection reports, and safety and health-related information. Working within established lending requirements, the incumbent evaluates projects against agency, investor, and portfolio guidelines, analyzes supporting documentation, requests additional information when needed, and issues project approval decisions. The role maintains accurate records within internal systems and communicates project outcomes and requirements to underwriting teams, sales partners, operations teams, risk partners, and other key stakeholders. This position requires strong analytical and research skills, attention to detail, and the ability to interpret complex lending guidelines and regulations. The Project Analyst must be able to locate, review, and apply investor and regulatory requirements while exercising sound judgment in evaluating project eligibility. Success in this role requires the ability to organize and prioritize work effectively, communicate complex requirements clearly in both written and verbal formats, and collaborate with business partners to support lending decisions. Preferred candidates will possess experience in mortgage lending, underwriting, secondary market guidelines, and agency requirements, including Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending programs. While condominium project review experience is preferred, it is not required. Candidates with demonstrated experience interpreting lending guidelines, conducting regulatory research, reviewing documentation, and applying underwriting or lending requirements will be well-positioned for success. Individuals with strong analytical thinking, research capabilities, attention to detail, and customer-focused communication skills will thrive in this highly detail-oriented and research-intensive environment. This role has multiple levels, open to candidates with a minimum one year of mortgage, sales, real estate, or banking experience. The successful candidate will be hired for the level of the position that aligns with their experience.

Requirements

• Bachelor's degree, or equivalent work experience
• Typically one to three years of relevant experience
• Good verbal and written skills in order to effectively interact with various areas of the organization when resolving problems and providing support
• Strong analytical and problem-solving skills
• Ability to manage multiple tasks/projects and deadlines simultaneously
• Experience interpreting and applying mortgage lending, investor, and regulatory guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending requirements.
• Strong analytical and research skills with the ability to evaluate complex documentation and make sound eligibility determinations.
• Knowledge of mortgage underwriting principles, secondary market guidelines, and lending regulations.
• Excellent attention to detail with experience reviewing financial, insurance, legal, and property-related documentation.
• Strong written and verbal communication skills with the ability to explain complex requirements and decisions to business partners and stakeholders.
• Ability to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Nice To Haves

• Condominium project review experience
• Experience in mortgage lending, underwriting, secondary market guidelines, and agency requirements, including Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending programs.

Responsibilities

• Review condominium and cooperative housing projects to determine eligibility under investor, regulatory, and lending guidelines.
• Conduct detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records, property inspection reports, and safety and health-related information.
• Evaluate projects against agency, investor, and portfolio guidelines.
• Analyze supporting documentation and request additional information when needed.
• Issue project approval decisions.
• Maintain accurate records within internal systems.
• Communicate project outcomes and requirements to underwriting teams, sales partners, operations teams, risk partners, and other key stakeholders.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level