Credit Risk Analyst (Remote)

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

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PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity.