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True Homes · 1 day ago

Credit Risk Specialist

Monroe, NC

Full-time

Onsite

Mid Level

3+ years exp

True Homes is a company focused on ensuring the integrity of documentation and compliance in client financing. The Credit Risk Specialist is responsible for evaluating client credit files and appraisal results, coordinating with lenders, and maintaining compliance to minimize risk prior to construction.

ConstructionHome ImprovementHome RenovationHome Services

Growth Opportunities

Responsibilities

Reviews credit qualification and appraisal documentation to verify accuracy, completeness, and adherence to company and investor guidelines

Identifies, documents, and escalates any potential or actual credit or appraisal risk to the Credit Manager

Coordinates with lenders to ensure timely receipt of credit approvals, appraisals, and related documentation needed for home start release

Engages directly with appraisers to answer common questions, provide clarification, and supply comparables, specifications, and documentation needed to support accurate valuation of the subject property

Conducts detailed appraisal reviews to confirm that subject property characteristics, options, and specifications are accurately represented, and that comparable data reflects current market conditions

Collaborates with lenders, sales, and internal teams to resolve low appraisals, documentation deficiencies, and nonconformance items in a timely manner

Ensures all 'Clear to Start' ('CTS') documents are complete, compliant, and properly recorded in company systems prior to release

Administers and maintains reporting tools and dashboards to monitor credit and appraisal performance, compliance trends, and conformance with established timelines

Facilitates communication with preferred lending partners to ensure alignment on underwriting expectations and timely resolution of file holds or deficiencies

Reviews and tracks nonconformance reports; ensures documentation and corrective actions are properly logged and followed through

Partners with the Credit Manager to identify recurring trends or training needs that may improve overall team accuracy and efficiency

Participates in daily or weekly operational calls as assigned, including Starts Meetings and nonconformance reviews

Performs other duties as needed or required

Confirms and documents the status of all credit and appraisal deliverables within two business days of the due date

Performance will be measured through the Gate Conformance by Market Report, with an average turn of total performance versus gate standard equal to 0 or less

Maintains a minimum of 61% conforming performance across all categories: Prequalification, Form A, and Appraisal

Reviews and validates all appraisal results within 24 hours of receipt; identifies, documents, and reports inaccuracies or unsupported values to the Credit Manager

Responds to all appraiser inquiries within 24 hours, providing clarification, comparables, and documentation as needed to support accurate valuations

Collaborates with lenders, sales, and internal partners to resolve low appraisals, nonconforming documentation, and timeline variances

Partners with the Prospect Pipeline Specialist to review and resolve unacceptable risk, including identifying viable solutions such as Home Buyers Club or Game Plan assignments

Ensures all 'Clear to Start' (CTS) approvals meet documentation and compliance standards prior to home start release

Maintains accurate and complete records in company systems, including notes, alerts, and supporting documentation

Provides timely and accurate reporting of nonconformance trends, lender performance, and credit risk indicators as requested

Qualification

Credit analysisMortgage finance processAnalytical skillsMicrosoft Office 365Communication skillsOrganizational skillsAttention to detailCritical thinking

Required

High school diploma or GED required

Minimum three to five years of experience in mortgage lending, credit analysis, or real estate finance required

Demonstrated understanding of the mortgage finance process, including prequalification, underwriting, and appraisal methodologies

Proven ability to identify, assess, and communicate risk based on review of credit and appraisal documentation

Strong analytical skills with the ability to interpret data and identify trends affecting credit and appraisal conformance

Excellent attention to detail with strong organizational and time management skills

Effective communicator capable of building professional relationships with lenders, appraisers, sales, and internal partners

Proficiency in Microsoft Office 365 applications, including Excel, Outlook, and SharePoint

Ability to thrive in a high-volume, deadline-driven environment while maintaining accuracy and composure

Valid driver's license, current automobile insurance, and reliable personal transportation for occasional local travel within NC and SC

Demonstrates a high level of accuracy and accountability in maintaining credit and appraisal documentation

Exhibits strong written and verbal communication skills to ensure clarity and professionalism in all interactions with lenders, appraisers, and internal partners

Maintains strong organizational skills with the ability to manage multiple files and priorities in a fast-paced environment

Demonstrates critical thinking and analytical ability to identify risks and recommend appropriate solutions

Maintains confidentiality and discretion when handling sensitive client and financial information

Complies with all company policies, procedures, and regulatory requirements

Demonstrates the qualities and character traits as defined in the True Difference

Maintains a positive and collaborative approach in support of team goals and corporate objectives

Supports continuous improvement by identifying and communicating process or system enhancements to leadership

Maintains an up-to-date understanding of available loan programs, including specialty products and solutions that may assist clients in finding suitable financing options

Participates in ongoing training and development opportunities to maintain a high level of job knowledge and functional expertise

Must be able to remain in a stationary position 75% of the time

Occasionally moves about the office to collaborate with team members or attend meetings

Constantly operates a computer and other standard office equipment