Hybrid RTL Credit Analyst presso The Fay Group

Founded in 2008, The Fay Group is a diversified real estate services company offering a complete range of home ownership products and services to include mortgage servicing, property renovations, property management, realty, business purpose lending and insurance to homeowners, investors and clients nationwide. We consider the people behind those mortgages, and work hard to give them the best opportunity to stay in their homes by providing solutions to navigate the challenges of homeownership while working toward their long-term financial goals.

Our Constructive Loans business provides stable, reliable capital, flexible product solutions, speed, and competitive pricing to meet the real estate investment financing needs of brokers nationwide. Constructive offers programs for short-term fix & flip, DSCR rental properties, and lines of credit.

Reporting to the AVP, Underwriting, this position supports the credit and underwriting process for short-term, business-purpose loans, including fix and flip, bridge, and group-up construction loans.  This role is responsible for reviewing loan files, analyzing borrower profiles, property data, and project documentation to assist in evaluating overall risk and loan eligibility.  The position works closely with credit specialists, underwriters, and sales to ensure accurate, timely analysis and smooth loan processing from application through approval.
 

Qualifications include:

• High School Diploma/ GED required; Bachelor’s Degree preferred
• 2+ years’ experience in processing and analyzing business purpose loans
• Strong understanding of investment property documentation and workflows
• Prior experience with real estate investment loan types, including fix and flip, bridge, and construction loans
• Prior experience with real estate investor profiles and experience tiering practices
• Familiarity with Encompass Loan Origination System
• Prior experience performing in a high-volume, fast-paced work environment
• Solid skills and experience in MS Word, Excel and Outlook
• Strong verbal and written communication skills
• Strong interpersonal skills
• Strong analytical skills
• Solid decision-making abilities coupled with sound judgment
• Strong time management skills
• Ability to prioritize numerous tasks and manage shifting priorities
• Client focused with strong execution skills and results orientation
• High-level of precision with attention to detail and consistency 
• Flexible, open to change, ability to learn new things quickly
• Ability to work in a collaborative environment and provide guidance for working groups

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Featured Benefits

• Medical, Dental and Vision Insurance
• Company Paid Life Insurance
• Disability Insurance
• Pet Insurance
• 401k Program with Employer Matching
• 3 Weeks Paid Time Off (PTO)
• Paid Holidays
• Wellness Initiatives
• Employee Assistance Program
• Eligible for Hybrid Work Schedule with Remote Flex Days 

Fay Cares!

The Fay-Constructive Foundation was established to fulfill the philanthropic mission of The Fay Group employees to serve the communities in which they live and work. Our employees make voluntary contributions to the Foundation. Each quarter, their contributions are donated to organizations focused on improving education opportunities, combating poverty, and supporting military service members and first responders.

At Fay, we believe that the best ideas come from having a team that is diverse in backgrounds, experiences, and perspectives. We strive to ensure each of our employees feels valued, respected, and included, and is presented with equal opportunities to be successful. Fay is an equal-opportunity workplace. The Fay Group and affiliated companies participate in E-Verify. For more information go to www.dhs.gov/E-Verify.