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1906 Mortgage Credit Analyst - Charlotte, NC

The Organization:

The Organization:


Self-Help is a leading national community development financial institution headquartered in Durham, NC. Since 1980, Self-Help has provided over $7 billion in financing to 146,000 families, individuals and businesses. It helps drive economic development and strengthen communities by providing responsible financial services; lending to individuals, small businesses and nonprofits; developing real estate; and promoting fair financial practices across the nation. The Self-Help family of nonprofit organizations includes Self-Help Credit Union, Self-Help Federal Credit Union, Self-Help Ventures Fund and the Center for Responsible Lending. Through its credit union network, Self-Help serves over 145,000 people in North Carolina, California, Chicago and Florida. Learn more at, and


Position Description:


Self-Help is looking for a full-time candidate eager to learn and develop a career in the mortgage business to join its Mortgage Credit Administration team in Charlotte.  The Mortgage Credit Analyst will analyze mortgage loan files and obtain required documentation to ensure loan compliance with underwriting and regulatory guidelines. The Credit Analyst will work with loan officers, underwriters, closers, borrowers and referral sources to obtain accurate and timely loan information.


The selected candidate must exhibit a strong commitment to helping others, including low-wealth borrowers who have been underserved by traditional financial institutions in the past, and will work with customers to help them during the closing process.  The ideal candidate will be a fast learner, detail-oriented and self-motivated.

Essential Responsibilities:

The Mortgage Credit Analyst is responsible for handling all tasks required to prepare loan files for underwriting.  This will include such as tasks as processing and analyzing loan files, preparing files for final underwriting, conducting quality control of loan files including verifying borrower information, gathering information on loan files, moving the application along to underwriting, and inputting and ensuring he accuracy of loan information in our loan systems.  The Mortgage Credit Analyst will perform other duties as may be deemed necessary, as well.

Minimum Qualifications:

  • Bachelor’s degree and 2 year’s related experience, or an equivalent combination of education and experience.
  • Ability to effectively plan organize and prioritize work.
  • Ability to effectively present information and respond to questions from groups and/or individuals.
  • Knowledge of financial analysis and reporting of financial data.
  • Ability to learn and develop understand of FHA and conforming loan products.
  • Proficiency with Microsoft Word, Excel, and PowerPoint.


Physical Requirements:


Frequently requires use of manual dexterity and repetitive motions, primarily with the wrists, hands, and/or fingers.  Must be able to occasionally lift and exert force of up to 10 pounds.




Competitive nonprofit salary, based on experience, plus a generous benefits package.




To apply, send resume and cover letter, describing why you are a fit for this position, to Please include the position title as the subject.  The position will remain posted until filled.


Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.

Self-Help is committed to providing equal employment opportunities to all persons regardless of race, color, class, age, gender, religion, disability that can be accommodated, marital status, ancestry, nationality, family status or sexual orientation.