Top Credit Analyst Jobs in Austin, TX

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

Perform and manage QC audits to assess compliance with HUD, state, and federal requirements for reverse and conventional mortgage products. Maintain and update QC checklists, ensure findings are addressed in the LOS, communicate results, meet review timelines, assist leadership with audit process improvements, and ensure fair lending and net benefit compliance.

Manage end-to-end collections for an assigned portfolio to optimize cash flow, reduce receivables, resolve billing disputes with Sales/Billing/Finance, track collections metrics, identify high-risk accounts, and support OTC improvements.

Perform due diligence and underwriting for DSCR mortgage loans, manage a pipeline of 25–30 deals, communicate with investors and brokers, prepare asset summary reports, coordinate vendors, and support loan closings while building client relationships and attending industry events.

Lead loss mitigation, predictive collections, and loss forecasting (CECL) for consumer lending. Build data models and contact strategies, align conversational operations, manage credit loss budgets, vendor selection, and present risk insights to executive stakeholders.

Design and own loss mitigation, predictive collections, and CECL loss forecasting. Partner with Operations to implement conversational contact strategies (WhatsApp/SMS), build propensity-to-pay and recovery models, manage credit loss budgeting and capacity planning, and evaluate/onboard third-party collections vendors and software to protect capital and optimize recoveries.

Lead design and execution of loss mitigation, predictive collections, and CECL loss forecasting. Build data models and contact strategies, align conversational operations, manage credit loss budgeting, and evaluate third-party vendors to maximize recoveries and protect the balance sheet.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build CECL-based loss forecasts, predictive propensity-to-pay models, automated contact strategies (WhatsApp/omnichannel), manage credit loss budgets, and evaluate third-party recovery vendors while presenting impacts to executive leadership.

Review residential mortgage loan files for accuracy, completeness, and compliance with agency, investor, originator, and regulatory guidelines. Identify and resolve discrepancies, calculate income/debt/DTI/DSCR/assets, review entity documentation, perform quality control, support audits, maintain knowledge of industry and internal systems, and contribute to process improvements.

Support federal credit reform and allowance-for-loss activities for federal loan programs. Perform loan accounting, cash flow modeling, NPV calculations, data reconciliations, and validate model inputs/outputs against source systems and the general ledger. Maintain historical loan performance data, prepare audit-ready workpapers, document assumptions and SOPs, analyze non-performing loans and reserve needs, and collaborate with accounting, reporting, and program stakeholders to ensure compliance.

Analyze credit policy, approval rates, vintage performance, and portfolio metrics to inform credit strategy. Monitor model/scorecard performance, run tradeoff and scenario analyses, support pricing/term decisions, and produce recurring portfolio reporting and dashboards. Collaborate with collections, fraud, finance, and tech on reporting, model validation, and decisioning platform improvements.

The Credit Policy Analyst maintains and interprets credit policies to ensure alignment with risk appetite and regulatory requirements while providing support for credit-related inquiries.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, pricing models, vintage and NPV analyses, executive reporting, model integration and testing, and explore alternative data to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: build and optimize valuation, vintage and NPV models; manage credit policies, portfolio monitoring, and NPL reporting; integrate and test scoring models with engineering/data science; and research alternative data to improve predictive performance.

Lead credit analytics for the Send Now Pay Later product: deliver executive portfolio health reporting, NPL trend analysis, and financial/vintage/NPV modeling. Design end-to-end credit frameworks and acquisition/customer management policies, monitor cohort performance, integrate and test ML scorecards with engineering, and evaluate alternative data sources to optimize approval rates and limit defaults.

Lead quantitative credit analytics for a Send Now Pay Later (SNPL) product: build and maintain credit policies, pricing and NPV models, vintage analysis, portfolio monitoring, model integration/testing, and alternative data evaluation to optimize approval rates and manage portfolio health.