Junior Credit Analyst - Galaxy Management Group : Job Details

Our Client is a Community Bank in Queens with a long-standing commitment to excellence in banking services. They pride themselves on fostering a family-oriented culture and prioritizing work-life balance for their employees. Position: Junior Credit Analyst Reports To: Credit Manager Primary Responsibilities:

• Review PG (Personal Guarantee) and SAE (Single Asset Entity) Residential & Commercial loan applications.
• Ensure compliance with ATR/QM, DODD-FRANK, Fannie Mae/Freddie Mac Underwriting Guidelines, QM & Non-QM loans.
• Maintain basic knowledge of HMDA reporting.
• Familiarity with Mortgage Pre-Approvals and Loan Estimates.
• Analyze Personal and Business returns such as: 1040, 1120C, 1120S, 1065, Trust Returns.
• Review and analyze Profit and Loss, Balance Sheets, Interim Financial Statements, etc.
• Accurately compute DTI, DSCR, LTV, and CLTV ratios.
• Review Appraisal reports for Residential and Commercial properties.
• Have knowledge of mortgage products.
• Prepare daily loan pipeline reports as needed.
• Interact with applicants/brokers/attorneys in person, through email, and over the phone.
• Input information into the Association's origination system.
• Compile information for analysis and present it for approval on time.
• Assist in preparing loan files for Bank Attorneys for closing.
• Perform other duties as assigned.

• 1 year of Credit Underwriting experience in Residential and Commercial mortgage loans.
• Experience reviewing Appraisal Reports.
• Bachelor's degree in finance/accounting (or related field) or equivalent years of relevant work experience.
• Proficiency in Microsoft Word, Excel, and Outlook.
• Strong computer skills - Word, Excel, and Encompass.
• Understanding of credit reports and credit reporting agencies.
• Excellent written and verbal communication skills.
• Ability to manage relationships both internally and externally
• Detail-oriented with the ability to adhere to deadlines.US

• 401(k)
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Tuition reimbursement
• Vision insurance