Credit Analyst I (Mortgage Banking)

Location: HQ - San Diego, California, United States

Salary: $20.00–$27.00 per hour, plus eligible discretionary annual cash and restricted stock unit bonus targets of 12.5% each.

Company

hirify.global is a digital-first financial institution providing technology-driven financial tools and services to individuals, small businesses, and companies.

What you will do

• Analyze financial statements, credit reports, and business performance data for independent mortgage banks and non-depository lenders.
• Support underwriting of new warehouse credit facilities and annual reviews of existing borrowers.
• Spread financials and prepare credit memorandums.
• Monitor collateral positions using loan-level reports, aging schedules, and funding activity.
• Conduct quarterly loan reviews and assess financial performance, portfolio quality, and covenant compliance.
• Collaborate with relationship managers and operations teams on facility onboarding, amendments, projects, and process improvements.

Requirements

• Bachelor’s degree in Finance, Economics, Business, Accounting, or a related field, or equivalent experience.
• 0–2 years of experience in financial services, banking, lending, or a credit-related role.
• Basic understanding of credit analysis, financial statements, and loan documentation.
• Proficiency in Microsoft Excel and other Microsoft Office tools.
• Strong attention to detail, file-management skills, and written and verbal communication abilities.
• Successful completion of a credit check, criminal background check, and pre-employment drug screening is required.

Nice to have

• Exposure to loan documentation, credit file management, or document tracking.
• Understanding of loan administration workflows and the mortgage banking industry.
• Internship or entry-level banking experience.

Culture & Benefits

• Medical, dental, vision, and life insurance.
• Paid sick leave, approximately three weeks of vacation, and holidays.
• HSA or FSA accounts and other voluntary benefits.
• 401(k) retirement savings plan with employer match and a 529 savings plan.
• Employee mortgage loan program and access to an hirify.global account with self-directed trading.