Credit Analyst

Credit Analyst

Austin or Salt Lake City (Hybrid)

About The Role

Behind many of life's most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical operational infrastructure for relationships between the world's largest banks, credit funds and capital markets counterparties. We're building trust in this system of credit.

We are looking for a Credit Analyst to join our team! In this role, you will review residential mortgage loans to ensure compliance with agency, originator and/or investor guidelines, internal policies, Rating Agency requirements and regulatory requirements.

This position reports directly to the inTENT Chief Operating Officer (COO).

Who Will Love This Job

• A detail obsessive — you catch what others miss and take pride in a clean, complete loan file.
• A self-starter — you work independently, manage your own priorities, and don't need a lot of direction to get things done.
• A fast mover — you thrive in a high-volume environment and can move through multiple deals quickly without sacrificing accuracy.
• A compliance authority — you have deep knowledge of agency, investor, and regulatory guidelines and can apply them confidently.
• A clear communicator — you can articulate findings and discrepancies in writing and in conversation without ambiguity.
• A team player — you adapt easily to changing guidelines and collaborate well across functions.

What You'll Do

• Review residential mortgage loan files for accuracy, completeness, and compliance with agency, originator, and/or investor guidelines.
• Identify conditions and findings; review trailing documents as needed.
• Ensure all required documents are present and properly executed, including the Final Closing Disclosure, Note, Mortgage/Deed of Trust, Application, and other closing documentation.
• Detect and resolve errors or discrepancies in loan files that may affect the sale or insurability of a loan.
• Calculate income, debts, DTI, DSCR, and assets; review Entity documentation on borrowing entities.
• Perform quality control checks and contribute to continuous process improvement.
• Support audit preparation and respond to findings from investors or regulatory bodies.
• Stay current on mortgage industry guidelines, regulatory changes, and investor overlays.
• Maintain working knowledge of internal systems; test updates and revisions as needed.

You Should Have

• 5+ years of mortgage underwriting experience
• 2+ years of secondary market underwriting experience
• Knowledge of Operational Underwriting
• High School Diploma required; Associate's or Bachelor's in Finance, Business, or a related field preferred (or equivalent work experience)
• Proficiency in Microsoft Office (Word & Excel), Outlook, Teams, and SharePoint

About inTent

inTENT is a leading provider of third-party review and diligence services for the residential lending industry. As part of the Setpoint family of companies, inTENT combines deep compliance expertise with cutting-edge technology to deliver faster, more accurate loan review outcomes for lenders, servicers, and capital markets participants.

About Setpoint

Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint's technology makes warehouse transactions instant and error free.

In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder's 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital.

We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays).

inTENT and Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.