Credit Eligibility Analyst

About JMAC Lending: With over 25 years of experience, JMAC Lending has been dedicated to enhancing the client experience through our cutting-edge products, outstanding service, and unwavering support. We are committed to empowering our partners and driving business growth together. Our culture is centered around exceeding current market options, making us the preferred lender for our clients. Our team boasts impressive credentials and engages in continuous learning, ensuring a perfect blend of knowledge and expertise. Built on a foundation of ethical integrity, our company efficiently and skillfully delivers competitive product pricing for both wholesale and correspondent lending, prioritizing our clients' needs. The Opportunity: The Loan Setup & Disclosures Specialist plays a crucial role in reviewing and facilitating the setup of loan files for underwriting submission. They are also responsible for ensuring that all disclosures are properly issued and that compliance requirements are thoroughly met throughout the loan process. This is a Full-Time/Fully In-Office opportunity offering competitive pay ranging from $23.40-$28.60 per hour. Job Duties and Responsibilities: Review/Prepare Initial Disclosures Review initial disclosures provided by clients to validate compliance and ensure timing requirements have been met. Prepare initial disclosures for client to review or issue to meet timing requirements. Review Submission Requests Review loan submission documents for completeness to submit to underwriting. Index and status submission documents accordingly. Add conditions for required items that are missing at the time of submission. Issue Notice of Incomplete Application for incomplete submission files. Review and Redisclose Change of Circumstance Review COC requests to confirm validity and determine if redisclosing is required. Redisclose disclosures within TRID timing requirements. Issue Closing Disclosures Validate Closing Disclosure requests on Doc Request Form. Communicate with client and settlement agent for required documentation to prepare an accurate Closing Disclosure. Confirm Closing Disclosure meets loan term requirements and compliance. Task Coordination and Communication Assist clients with disclosure and submission related issues or questions. Ensure all items received in the disclosures mailbox are addressed within the required turn time such as: Service Level Agreements (SLA), COC requests and Initial Closing Disclosure requests. Mail disclosures that have not been consented within TRID timing requirements. Manage pipelines and dashboards to ensure tasks are completed within turn time. Requirements Minimum two years of mortgage related role(s) Knowledge in TILA-RESPA integrated disclosures (TRID) guidelines Understanding in the following loan programs: Conventional, Government, Jumbo and Non-QM High School Diploma or equivalent Proficient in using mortgage loan operating software and systems Strong computer skills, including proficiency in Microsoft Office applications Excellent written and verbal communication skills for interacting with internal and external relationships High level of attention to detail Ability to manage multiple tasks and prioritize workload to meet deadlines Ability to work effectively in a team and collaborate with other departments Flexibility to adapt to changes in policies and procedures Benefits Comprehensive Health Care Package (Medical, Dental & Vision) Life Insurance Options (Basic, Voluntary & AD&D) Generous Paid Time Off (Vacation & Holidays) Retirement Savings Plan (401k) Short-Term & Long-Term Disability Coverage Family Leave Benefits Wellness Support Resources JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity or national origin. DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

Credit Analyst – To $70K – Homer Glen, IL – Job # 3502 Who We Are The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves! We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you. The Position Our bank client is seeking to fill a Credit Analyst role in the Homer Glen, IL area. The position is responsible for researching and gathering the credit information for pending loan transactions under consideration by the Bank’s Commercial Loan, Commercial Real Estate & Multi-Family departments.   This position analyzes loans up to the Bank’s Legal Lending Limit. The Credit Analyst interprets & analyzes financial information and maintains borrower relationship information in the existing database, ensuring borrower compliance within loan requirements. The opportunity has a generous salary of up to $70K and a benefits package.  (This is not a remote position). Credit Analyst responsibilities include: Analyze, interpret and spread financial statements (internal, compiled, reviewed, audited and tax returns) Prepare presentations for Commercial Loan, Commercial Real Estate & Multi-Family Loan write-ups (financial analysis, collateral analysis, Guarantor analysis and global debt service analysis) Prepare Accounts Receivable aging collateral analysis Complete personal/business debt service Prepare rent roll analyses Identify Loan Policy Exceptions and mitigating factors Communicate with Loan Officers Monitor collateral advances Review field audit reports on asset-based lines Update and maintain customer tickler information on Bank’s internal tracking software Request and analyze credit bureaus and litigation searches Update Commercial Lending Administrative Assistants and Loan Officers on status of weekly write-ups for Loan Committee Calculate loan profitability using internal software pricing model Prepare & maintain Covered Transaction report on a quarterly basis for all loans Adheres to Bank Policies, Code of Conduct and internal controls for which this position is responsible Perform other duties as assigned by supervisor Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Bachelor’s degree in Finance or Accounting.  Commercial credit analysis experience preferred. Effective writing and data entry skills. Strong oral communication, effective listening skills, detail oriented and quality customer service skills.  Demonstrated ability to handle difficult and sensitive business situations. Solid analytical, creative and problem-solving abilities. Excellent time management skills and ability to coordinate projects. Established ability to meet deadlines while working on multiple projects. The next step is yours. Email us your current resume along with the position you are considering to: resumes@symicorgroup.com

LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2025 - for the fourth consecutive year -  by Sun Sentinel!   We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $6 Billion in real estate capital. Position Overview: Loan Support Specialists at LendingOne are detail-oriented, proactive, collaborative and communicative. This role serves as the primary point of contact for both internal departments and external stakeholders, playing a key part in ensuring project success. The Loan Support Specialist will manage loan application pipelines, review documentation for accuracy, and provide timely updates throughout the process. Strong skills in client relationship management, loan processing, and cross-functional communication are essential for this role. This is a full-time employment opportunity working in our Boca Raton Headquarters Office. Requirements Qualifications: The following qualifications and responsibilities serve as a position overview and are not exhaustive. Employees are expected to be team players and may take on additional tasks as needed. Minimum 2 years in a professional environment paired with strong computer skills and ambition to learn Strong verbal and written communication skills with a customer-focused attitude to manage client relationships effectively Ability to review documents for accuracy and conduct preliminary due diligence.  Proven ability to manage multiple tasks and priorities efficiently in a fast-paced environment Positive attitude,  high energy and successful team player Prior experience in any real estate capacity is helpful but not necessary   Responsibilities: Serve as the primary point of contact for assigned clients, delivering timely updates and ensuring a seamless loan application experience. Communicate effectively with internal departments (e.g., sales, underwriting, legal) and external stakeholders (e.g., clients, third-party vendors) to coordinate application progress and resolve any issues. Manage a pipeline of loan applications by gathering, reviewing, and validating required documentation to ensure accuracy and completeness. Oversee the transition of loan applications from submission through closing, collaborating closely with legal and closing teams to meet deadlines. Maintain an organized and prioritized loan pipeline by proactively following up with borrowers and monitoring key milestones, including appraisals and title reports. Review loan files for compliance and completeness, and work with credit analysts and underwriters to analyze data, clear conditions, and ensure successful funding. Benefits Why LendingOne: Diverse and inclusive workplace, with a supportive and friendly team Company awards, recognitions, and community involvement opportunities Comprehensive benefits package: medical, dental, vision, short and long-term disability, flexible spending accounts, generous 401(k) match, and more! 10 Company-paid holidays, and Paid-time Off Work-From-Home Fridays! Regular company-sponsored lunches, team-building and social events, and company swag to promote engagement and connection We believe in promoting from within Dedicated Learning & Development Team: comprehensive technical training, career paths, and education reimbursement opportunities!  LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.

Credit Analyst – To $75K – Remote (Pennsylvania) – Job # 3139 Who We Are The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves! We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you. The Position Our Pennsylvania-based community bank client is seeking to fill a Remote Credit Analyst role. The candidate will prepare a financial analysis on commercial loan borrowers for presentation to the Officers’ Loan Committee, Directors’ Loan Committee, and/or Board of Directors. The first three months of this job must be in Newport, PA. This position offers a competitive salary of up to $75K and a full benefits package. The candidate must reside in Pennsylvania. (This is a remote position). Credit Analyst responsibilities include: Providing credit analysis for the commercial lending activities of the Bank and providing assistance in the administration of commercial loan accounts Spreading financial statements and routes to proper lending officers, as necessary. Corresponding with commercial lenders regarding underwriting/structure of loan requests. Providing training to other credit analysts. Performing any other related duties as required or assigned. Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: BS or BA degree, preferably in accounting or finance, or equivalent knowledge and/or banking experience. Three or more years of experience in a related banking position. Thorough knowledge of lending regulations, procedures, and operations. Proficient interpersonal relations and communicative abilities. Excellent oral and written communication. Proficient knowledge of Microsoft Office suite of products (including Word and Excel). The next step is yours. Email us your current resume along with the position you are considering to: resumes@symicorgroup.com

The Position Our client is seeking to fill a Consumer Collections Manager role to be based in the Bloomington, IL market. The successful candidate will be responsible for the design, administration, and training of all consumer collection processes, procedures, and reporting activities. This position offers a generous base salary of up to $105K and an excellent benefits package. (This is not a remote position). Consumer Collections Manager responsibilities include: Overseeing consumer collection activities related to delinquent or charged-off accounts. Leading and directing the consumer collections employees in the management of accounts requiring legal action by determining the best course of action while maintaining compliance. Providing subject matter expertise on consumer loan regulations, particularly loss mitigation options, and the compliance obligations related to consumer loan collections. Reviewing all consumer loan workout, renewal, loss mitigation options, risk rating upgrades, return to accrual status, and charge-off memos. Developing and implementing processes to create greater efficiencies within the department and monitor actual practices to ensure full compliance. Preparing and providing account progress updates. Conducting regularly scheduled past due meetings with the consumer collections employees. Requirements Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Bachelor’s degree in related curriculum or equivalent of education and experience. Two or more years of experience in Collections and Financial Service Industries. One or more years of management/supervisory experience. Knowledge of banking and legal software a plus. Benefits This position offers a generous base salary of up to $105K and an excellent benefits package. (This is not a remote position).

Commercial Loan Underwriter – To $115K – West Hollywood, CA – Job # 3213 Who We Are The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves! We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you. The Position Our bank client is seeking to file a Commercial Loan Underwriter role in the West Hollywood, CA market. The successful candidate will be responsible for preparing written, in-depth, credit analysis for commercial loans. The candidate will analyze financial information and underwrite the creditworthiness of borrowers to ensure compliance with loan policy and all regulatory laws and regulations. This position offers a generous salary of up to $115K and full benefits package. Commercial Loan Underwriter responsibilities include: Managing loan underwriting process by underwriting, processing, and coordinating the closing of business loans in compliance with the Bank’s lending policies and procedures, and federal & state regulations. Collecting and analyzing financial data, financial condition, and level of risk related to various types of borrowing entities and individuals including financial statement analysis, collateral evaluations, trend analysis ratio, and industry analysis. Performing commercial real estate loan stress tests. Preparing written summary of loan terms and conditions and a written narrative explaining the business background, outlining risk factors, and justifying assigned risk rating Conducting a thorough review of balance sheets, income statements, cash flow statements, tax returns, business plans, and projections presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt. Identifying risks and assisting in structuring loans to mitigate risks. Assigning appropriate risk ratings. Monitoring loan repayment activities and take necessary action to collect on loan payments past due or matured loans. Preparing documentation needed to obtain approvals as appropriate. Interacting with account officers to negotiate loan terms and following up on information required to make decisions on the application. Complying with all bank policies, procedures, state and federal banking laws, and regulations. Serving on task forces and committees as assigned. Who Are You? You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Bachelor’s degree in business administration, finance, accounting, or economics. Five or more years’ experience in Commercial Banking / Lending. Experience with cash flow analysis, ratio analysis, and projections is required. Strong knowledge of real estate appraisal techniques, field audit examination techniques, and commercial banking regulations required. Formal bank commercial credit training is a plus. Must have strong knowledge of Word, Excel, Sage works, Outlook, and other bank information systems as required. Solid qualitative and quantity analytical skills required. Excellent analytical, conceptual, writing, and communication skills. Possesses strong organizational skills and can work with limited supervision. Existing knowledge of assigned marketplace preferred. The next step is yours. Email us your current resume along with the position you are considering to: resumes@symicorgroup.com