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.

• 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 asneeded
• Maintain knowledge of lending regulations, internal policies, and industry bestpractices
• Assist in internal audits or quality control reviews as required
• Participate in other departmental assignments or projects as deemed necessary

• 2+years of experience in mortgage underwriting, credit review, or appraisal review
• Strong knowledge of mortgage lending regulations, appraisal standards, and credit analysis
• Excellent attention to detail and written communication skills
• Experience with Encompass Loan Origination System and appraisal review application preferred