# Credit Analyst
**Company:** [Setpoint.io](https://hotfix.jobs/companies/setpoint-io)
**Location:** Austin, TX, Salt Lake City, UT
**Experience:** 5+ years
**Skills:** Mortgage Underwriting, Secondary Market Underwriting, Loan File Review, Dti Calculation, Dscr Calculation, Microsoft Office, Excel, Microsoft Word, Microsoft Outlook, Microsoft Teams, Sharepoint
**Posted:** 2026-06-25
> Review residential mortgage loans for compliance with agency, investor, and regulatory guidelines. Requires 5+ years mortgage underwriting and 2+ years secondary market experience.
## Job Description
## What you’ll do
- Review residential mortgage loan files for accuracy, completeness, and compliance with agency, originator, and/or investor guidelines.
- Identify conditions and findings; review trailing documents as needed.
- Ensure all required documents are present and properly executed, including the Final Closing Disclosure, Note, Mortgage/Deed of Trust, Application, and other closing documentation.
- Detect and resolve errors or discrepancies in loan files that may affect the sale or insurability of a loan.
- Calculate income, debts, DTI, DSCR, and assets; review Entity documentation on borrowing entities.
- Perform quality control checks and contribute to continuous process improvement.
- Support audit preparation and respond to findings from investors or regulatory bodies.
- Stay current on mortgage industry guidelines, regulatory changes, and investor overlays.
- Maintain working knowledge of internal systems; test updates and revisions as needed.

## You should have
- 5+ years of mortgage underwriting experience
- 2+ years of secondary market underwriting experience
- Knowledge of Operational Underwriting
- High School Diploma required; Associate's or Bachelor's in Finance, Business, or a related field preferred (or equivalent work experience)
- Proficiency in Microsoft Office (Word & Excel), Outlook, Teams, and SharePoint

## Benefits
- Competitive salaries, stock options
- Medical, dental, and vision coverage
- 401(k)
- Short term and long term disability coverage
- Flexible vacation
**Apply:** https://hotfix.jobs/jobs/credit-analyst-at-setpoint-io-b51e50f2-9860-4412-9b75-552846f992fb
**Canonical:** https://hotfix.jobs/jobs/credit-analyst-at-setpoint-io-b51e50f2-9860-4412-9b75-552846f992fb