Credit Risk Analyst

True Homes•Monroe, NC

32d

About The Position

The Credit Risk Analyst is responsible for ensuring the accuracy, compliance, and integrity of all documentation and milestones supporting a clients financing from contract through home start. This position combines credit review, appraisal analysis, and operational compliance to minimize risk and ensure that all approvals meet company and lending standards prior to construction. The Analyst will evaluate client credit files, appraisal results, and lender documentation to identify potential risk, resolve discrepancies, and maintain alignment with contractual timelines and internal conformance standards. The role requires strong analytical ability, sound judgment, and proactive communication with lenders, appraisers, and internal partners to deliver a consistent and risk-aware experience for clients. A successful candidate demonstrates ownership of process outcomes, an eye for detail, and the ability to balance accuracy, timeliness, and collaboration across multiple departments.

Requirements

Bachelors degree in Business, Finance, or a related field preferred; high school diploma or GED required
Minimum three to five years of experience in mortgage lending, credit analysis, or real estate finance required
Demonstrated understanding of the mortgage finance process, including prequalification, underwriting, and appraisal methodologies
Proven ability to identify, assess, and communicate risk based on review of credit and appraisal documentation
Strong analytical skills with the ability to interpret data and identify trends affecting credit and appraisal conformance
Excellent attention to detail with strong organizational and time management skills
Effective communicator capable of building professional relationships with lenders, appraisers, sales, and internal partners
Proficiency in Microsoft Office 365 applications, including Excel, Outlook, and SharePoint; experience with loan origination or CRM systems preferred
Ability to thrive in a high-volume, deadline-driven environment while maintaining accuracy and composure
Valid drivers license, current automobile insurance, and reliable personal transportation for occasional local travel within NC and SC
Demonstrates a high level of accuracy and accountability in maintaining credit and appraisal documentation
Exhibits strong written and verbal communication skills to ensure clarity and professionalism in all interactions with lenders, appraisers, and internal partners
Maintains strong organizational skills with the ability to manage multiple files and priorities in a fast-paced environment
Demonstrates critical thinking and analytical ability to identify risks and recommend appropriate solutions
Maintains confidentiality and discretion when handling sensitive client and financial information
Complies with all company policies, procedures, and regulatory requirements
Demonstrates the qualities and character traits as defined in the True Difference
Maintains a positive and collaborative approach in support of team goals and corporate objectives
Supports continuous improvement by identifying and communicating process or system enhancements to leadership
Maintains an up-to-date understanding of available loan programs, including specialty products and solutions that may assist clients in finding suitable financing options
Participates in ongoing training and development opportunities to maintain a high level of job knowledge and functional expertise
Must be able to remain in a stationary position 75% of the time
Occasionally moves about the office to collaborate with team members or attend meetings
Constantly operates a computer and other standard office equipment

Responsibilities

Reviews credit qualification and appraisal documentation to verify accuracy, completeness, and adherence to company and investor guidelines
Identifies, documents, and escalates any potential or actual credit or appraisal risk to the Credit Manager
Coordinates with lenders to ensure timely receipt of credit approvals, appraisals, and related documentation needed for home start release
Engages directly with appraisers to answer common questions, provide clarification, and supply comparables, specifications, and documentation needed to support accurate valuation of the subject property
Conducts detailed appraisal reviews to confirm that subject property characteristics, options, and specifications are accurately represented, and that comparable data reflects current market conditions
Collaborates with lenders, sales, and internal teams to resolve low appraisals, documentation deficiencies, and nonconformance items in a timely manner
Ensures all Clear to Start (CTS) documents are complete, compliant, and properly recorded in company systems prior to release
Administers and maintains reporting tools and dashboards to monitor credit and appraisal performance, compliance trends, and conformance with established timelines
Facilitates communication with preferred lending partners to ensure alignment on underwriting expectations and timely resolution of file holds or deficiencies
Reviews and tracks nonconformance reports; ensures documentation and corrective actions are properly logged and followed through
Partners with the Credit Manager to identify recurring trends or training needs that may improve overall team accuracy and efficiency
Participates in daily or weekly operational calls as assigned, including Starts Meetings and nonconformance reviews
Performs other duties as needed or required