Mortgage Credit Review Specialist

Mortgage Credit Review Specialist

The Mortgage Credit Review Specialist is responsible for conducting thorough reviews of mortgage loan files with a focus on collateral valuation, and regulatory compliance. This role includes reviewing appraisal reports for accuracy and consistency with lending guidelines and preparing adverse action notices when a loan does not meet credit or collateral requirements. The specialist works closely with underwriters, loan officers, and compliance teams to ensure high-quality credit decisions and adherence to lending policies.

Responsibilities :

• Analyze and validate appraisal reports for accuracy, completeness, and compliance with regulatory and bank guidelines to minimize collateral risk
• Handle Reconsideration of Value (ROV) requests and act as the liaison between borrower and Appraiser / AMC to ensure ROV requests are documented, tracked and communicated appropriately and timely
• Identify deficiencies or risk concerns in collateral or borrower credit profile
• Prepare and issue denial (adverse action) letters in compliance with applicable Regulations
• Document findings and provide feedback to underwriting or processing teams as needed
• Maintain knowledge of lending regulations, internal policies, and industry best practices
• Assist in internal audits or quality control reviews as required
• Participate in other departmental assignments or projects as deemed necessary

Qualifications :

Compensation :

The base pay range for this position is USD $69,000.00 / Yr. - USD $90,000.00 / Yr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.