Credit Risk Analyst (Remote) at 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: https://talent.docs.mercor.com/welcome/welcome
• 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.

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