Mortgage Credit Analyst

IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence. We are currently seeking to fill positions across all business segments. IBC's focus is to be customer centric and strive to provide excellent customer experience. Time Type: Full time This is an in-office position. Department: 1010 Mortgage Credit Operations Job Summary: The Mortgage Credit Analyst is primarily responsible for performing Loan Reviews, Loan Pricing Reviews and other routine audits to ensure the accuracy and completeness of loan application and to support the bank in ensuring pricing compliance with all State and Federal regulations. Job Description: ESSENTIAL JOB FUNCTIONS The statements on this job description are intended to describe the general nature of level of work being performed by incumbents. They are not an exhaustive list of all responsibilities, duties, and skills required by all incumbents. Reviews lock request for compliance with pricing requirements and basic underwriting requirements Communicates and follows up on any corrections needed to lock requests and other pricing requests Ensure Portfolio and Consumer loans are locked on the correct rate sheet Uploads pricing exceptions to the loan file with the correct pricing exception authority Processes requests for restructures to Portfolio and Consumer loans to ensure correct rate sheet, correct. Performs monthly self-audits on Portfolio and Consumer loans were locked correctly Completes mandatory compliance trainings by due date. Daily reports are constructed and sent out Prepares Excel reports. Works with team members from Underwriting, Processing, Closing, and Post-Closing Departments. Performs testing on loans for the company to ensure disclosures are correct Attends IT meetings to keep up to date with system changes Other duties as assigned. SKILLS Excellent Verbal and Written Communication Skills Ability to Multitask Superior Time Management Skills Attention to Detail and Highly Organized EDUCATION High School diploma or GED equivalent. 2 yrs. of College OR one year of Mortgage / Financial experience IBC Bank was founded in 1966 to meet the needs of small businesses in Laredo, Texas. The bank's success is a result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. Our commitment to "Do More" for the communities we serve permeates our company from top down. The success of IBC and it's 50 consecutive years of growth and profitability are due to strong leadership, customer centric business philosophy and our motto of "Doing More" in our communities. Wait there's more! We offer a comprehensive benefits package, based on eligibility, benefits include: Medical Plan Employer Paid Life Insurance Flexible Spending Program 401k Profit Sharing Program Supplemental Benefit Programs such as: Vision, Dental, Disability Tuition Assistance Program Sick Leave Vacation Paid Holidays