Become a Mortgage Credit Analyst: A Crash Course

Conventional Loan Skills for Mortgage Credit Analysis to Evaluate Risk, Approve Borrowers, Excel in Real Estate Finance+

What you'll learn
- What a mortgage credit analyst does and why the role is essential in the lending process
- How to prepare for and land a job as a mortgage credit analyst—resume, interview, and job search strategies
- How to understand and navigate the full mortgage process from pre-approval to closing
- Learn how to review financial documents like pay stubs, tax returns, and bank statements
- Discover how to calculate and assess key financial ratios like Debt-to-Income (DTI) and Loan-to-Value (LTV)
- Learn to identify high-risk borrowers and common red flags in loan applications
- How to calculate and assess key financial ratios like Debt-to-Income (DTI) and Loan-to-Value (LTV)
- Understanding of mortgage regulations and compliance standards (ECOA, FCRA, etc.)
- Best practices for accuracy, compliance, and fraud prevention in credit analysis
- How to analyze and interpret credit reports, credit scores, and payment histories
- An overview of mortgage loan types: Conventional, FHA, VA, and USDA

Requirements
- Basic English
- A desire to start a new career

Description
What is a Mortgage Credit Analyst? How can I start a career in mortgage credit analysis?

Start your career as amortgage credit analystwith this comprehensive crash course designed for beginners, recent graduates, and professionals looking to break into the mortgage and finance industry. Learn the fundamentals of credit analysis, borrower evaluation, and mortgage qualification standards used by top lenders across the country.

This course provides step-by-step instructions on how to review credit reports, assess income and assets, calculate key financial ratios, and follow industry guidelines to make sound credit decisions. By the end, you’ll have the tools to confidently evaluate mortgage applicants and take your first step toward a stable, high-paying career.

Whether you’re an aspiring credit analyst, a loan officer, a processor, or someone exploring opportunities in the mortgage space—this course is your fast track to getting hired.

WHAT YOU CAN EXPECT TO LEARN FROM THIS COURSE

Understand the role and responsibilities of a mortgage credit analyst

Learn the step-by-step mortgage loan process from application to approval

Analyze credit reports, scores, and payment history

Review income, tax returns, and bank statements to determine mortgage eligibility

Calculate and evaluate DTI (Debt-to-Income) and LTV (Loan-to-Value) ratios

Spot red flags and assess borrower risk

Understand Fannie Mae, Freddie Mac, FHA, and VA guidelines

Learn the difference between loan types and borrower profiles

Prepare for job interviews and create a resume that gets you hired

WHAT’S INCLUDED IN THIS COURSE?

Instructor-led Video Lessons– Focused and practical tutorials to get you job-ready

Downloadable Resources– Credit analysischeat sheets, Specific mortgagecredit analyst resume, Credit analysis  worksheet, Mortgage Credit AnalystInterview Questions& Sample Answers, and Realborrower scenarioexamples

Real-World Scenarios– Practical exercises to test and apply your knowledge

Quizzes and Assessments– Track your progress as you master credit evaluation

Lifetime Access– Learn at your own pace and revisit any lesson anytime

Instructor Q&A– Ask questions and get direct support from your instructor

Get to Know the Course Outline and What’s Covered in This Course…

Module 1: Introduction to Mortgage Credit Analysis

What is a Mortgage Credit Analyst?

Why this role is essential in the mortgage industry

Credit analysis vs. mortgage underwriting

Career outlook and salary potential

Module 2: The Mortgage Process Explained

Loan application to closing: step-by-step

Key mortgage terms and how they apply to your role

Overview of loan types (Conventional, FHA, VA, USDA)

Module 3: Reviewing Credit Reports

Understanding credit scores and what impacts them

How to read and analyze credit reports

Common credit issues and red flags

Module 4: Evaluating Borrower Financials

Analyzing income: W-2s, pay stubs, and tax returns

Evaluating assets: bank statements and reserves

Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios

Module 5: Risk Assessment & Compliance

Identifying borrower risk factors

Understanding fair lending laws and credit compliance

How to follow industry guidelines (Fannie Mae, Freddie Mac, FHA, VA)

Module 6: Preparing for the Job Market

Resume-building for credit analyst positions

What hiring managers look for

Interview questions and how to prepare for success

Module 7: Case Studies & Practice Exercises

Sample mortgage scenarios and how to analyze them

Practice credit analysis with real-world borrower profiles

Hands-on worksheets and templates

Module 8: Launching Your Career

Getting certified and building your credibility

Where to find mortgage credit analyst jobs

Tools, resources, and continuing education

WHO IS YOUR INSTRUCTOR?

With over 18+ years in the mortgage industry and hundreds of loans closed,Joe Correais thePresident & CEO of Finibi Mortgage Inc.and a trusted name in mortgage education. Withover 45,000+ studentsand thousands of positive reviews, you can trust that you're learning from one of the best in the business.

TAKING ACTION

This course isn’t just about watching videos—it’s abouttaking action. You’ll be asked to work through real-world examples, complete practice exercises, and start building the skills that employers are looking for today.

You’ll leave this course withpractical knowledgethat applies directly to the real world of mortgage lending and credit risk analysis.

NOW IS THE TIME TO START A CAREER IN MORTGAGE CREDIT ANALYSIS!

Udemy includes a30-day money-back guarantee.If you’re not satisfied, you’ll get a full refund—no questions asked.

Don’t wait to take your career to the next level.Enroll in "How to Become a Mortgage Credit Analyst" today and start building your future!

Click the button below to get started now—I’ll see you in the course!

Who this course is for:
- Self-motivated learners who want to understand how mortgage approval decisions are made
- Anyone looking to start a career in the mortgage or financial services industry
- Recent graduates interested in entering the mortgage or banking field
- Real estate or loan professionals who want to expand their knowledge of credit evaluation
- Entry-level professionals who want to break into credit analysis or underwriting
- Career changers seeking a stable, high-paying job with long-term growth
- Banking and customer service professionals looking to transition into mortgage roles
- Anyone curious about how lenders assess borrower risk and make loan decisions
- Remote workers searching for job-ready mortgage career skills they can use from home
- Loan processors, assistants, or administrative staff who want to step into analyst roles
- Aspiring underwriters looking to build foundational credit evaluation knowledge
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