Credit Analyst

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. About this engagement This is a contract-to-hire role. You'll begin as an independent contractor (1099) at $40/hour, paid biweekly against hours you submit. Contract-to-hire is standard practice in third-party review, and we've structured this the way the industry does. Our intent is to convert this position to full-time employment as client volume grows. Based on current deal flow we anticipate that within six months, though timing depends on volume and conversion isn't guaranteed. Performance during the contract period is the path to a full-time offer, and we'll be straightforward with you about where things stand throughout. 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. Compensation and logistics This role is a 1099 independent contractor engagement at $40/hour, invoiced and paid biweekly. Contractors are not eligible for Setpoint's employee benefits during the contract period. Upon conversion to full-time, you'd move onto our full package: competitive salary, stock options, medical, dental and vision coverage, 401(k), short- and long-term disability, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT. This role can be performed remotely. If you're near our Austin or Salt Lake City offices we'd love to have you in periodically, but it isn't a requirement. 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.