Credit Risk Analyst | Up to $100/hr

2 days ago Be among the first 25 applicants This range is provided by Mercor. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Base pay range $60.00/hr - $100.00/hr Direct message the job poster from Mercor About The Job Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark, General Catalyst, Peter Thiel, Adam D'Angelo, Larry Summers, and Jack Dorsey. Position: Financial Services Professional Type: Independent Contractor Compensation: $60–$100/hour Location: Remote Duration: ~6 weeks Commitment: 30+ hours/week Role Responsibilities • Calculate qualifying monthly income using pay stubs, W-2s, tax returns, and self-employment documents. • Conduct credit report risk assessments by identifying derogatory marks, utilization ratios, and tradeline history. • Perform debt-to-income (DTI) ratio calculations based on verified income and liabilities. • Provide loan decision recommendations with written rationales and policy citations. • Review and clear conditional approval stipulations by matching submitted documents to underwriting requirements. • Evaluate collateral value and calculate loan-to-value (LTV) ratios using valuation tools. • Identify fraud indicators by cross-referencing applicant data across documents and verifying authenticity. • Support secondary workflows such as compensating factor reviews, adverse action notice generation, credit exception evaluations, and counter-offer structuring. Qualifications Must-Have • 5+ years of experience in mortgage or auto loan underwriting, credit analysis, or quality control. • Deep familiarity with income types, credit bureau data, DTI and LTV calculations, and standard underwriting policies. • Ability to interpret complex tax documents (e.g., Schedule C, K-1) and calculate self-employment income. • Strong attention to detail, pattern recognition, and risk assessment capabilities. Preferred • Experience with LOS systems and document verification tools. Compensation & Legal • Paid weekly via Stripe Connect • Independent Contractor Application Process (Takes 20–30 mins to complete) • Submit your resume followed by domain expertise interview and short form Resources & Support • For details about the interview process and platform information, please check: • For any help or support, reach out to: [email protected] PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity. Seniority Level Not Applicable Employment Type Part-time Job Function Finance Industries Software Development Referrals increase your chances of interviewing at Mercor by 2x Get notified about new Credit Risk Analyst jobs in United States. Apply tot his job