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Senior Credit Analyst

AAXY, LLC. DBA Austin First Mortgage

This is a Full-time position in Austin, TX posted August 9, 2021.

* Company AAXY, LLC.

DBA Austin First Mortgage Job site address 13284 Pond Springs Road, Suite 204, Austin Texas 78729 QUALIFICATIONS: * Bachelor’s degree in Accounting, Business Administration or a related field and at least 2 years previous responsible work experience as a credit analyst or similar capacity required;* Alternative requirement: Master’s degree in Accounting, Business Administration or a related field* Successful completion of statistics courses; and* Must have advanced computer skills, particularly in the use of Word, Excel (spreadsheets) and Office Suite products.

MAJOR RESPONSIBILITIES AND DUTIES: * Review analysis for credit factors and credit risks on credit applications.

Analyze all loan data regarding the borrower’s total relationship.* Responsible for the credit analyses of a large portfolio.* Apply knowledge of external credit bureau scoring and management software credit package to review Credit Analysts’ reports on transaction structures and profitability.* Prepare formal loan proposals, risk rating matrices, and loan pricing worksheets that summarize the total relationship and a complete financial overview to include ration and trend analysis.* Determine whether the company should engage a new loan based on a review of Credit Analysts’ risk assessments for each new loan application.* Ensure compliance and credit control in accordance with corporate and Federal regulatory standards, maintain corporate internal control standards, including timely implementation of internal and external audit points, and Fannie Mae/Freddie Mac guidelines and funding policies.* Act as liaison with investment bank brokers, bankers and analysts.* Prepare and advance new business requests to the Chief Credit Officer.

Notify the Commercial Relationship Manager when there are loan policy exceptions, loan covenant violations, and a lack of required financial information.* Recognize appropriate credit risk strategies to be developed and implemented.

Design or modify systems and processes, analytic’s screens, report layouts and user procedures.* Coordinate with senior members of the investment staff on various aspects of investment analysis and portfolio management.

Generate monthly and annual reports on the loan portfolio.

APPLY ONLINE AT: * https://austinfirstmortgage.website/job-openings/* or Mail resume to Austin First Mortgage, Attn: Nancy Sun, 13284 Pond Springs Rd., Suite 204, Austin, TX 78729.

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