Credit Risk Analyst II - Investor Reporting/Custodial Accounting

Fannie Mae - Plano, TX4.0


Develop, recommend, and implement credit risk standards for products or assets the company finances or underwrites. Assess and approve credit limits and monitor credit exposure for routine and complex transactions. Apply credit management models to current assets or underwritten products to recommend shifts in collateral or reserves to mitigate credit risks.


Conduct credit analyses using standard and more advanced methods and tools of aggregated data provided by lenders, clients of the organization, or other sources of data.
Examine risk elements of proposed deal, purchase, or existing relationship with a client and make recommendations to management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable.
Create or assign credit scores to aggregated data from multiple loans based on the company's proprietary underwriting or loan origination software.
May take lead in maintaining data integrity of proprietary credit rating or underwriting applications and assist as a business-end user in their systems enhancements.
Research value frauds and patterns, initiate and contribute to new tools for detecting value-related fraud. Make recommendations for new policies to minimize fraud and control other risks more effectively.
May make recommendations on pricing of products or assigning of risk levels based on analysis of credit risk of loans, transactions, or proposed contract.

Bachelor's Degree or equivalent required

2+ years of related experience

Must be analytical and a problem solver
Possess a strong working knowledge of Custodial Account Management and Investor Reporting
Work independently to ensure that accounts are reconciled, funded and maintained according to guidelines established by Fannie Mae.
Perform test work of various servicer functions including but not limited to - collateralized pool differences, pass thru rates, payoffs, escrow, and pool-to-security adjustments.
Identify noncompliant servicer activity within the following areas: Depositing and remitting funds; Reconciling bank accounts; Reconciling portfolios; Reconciling shortage/surplus accounts; Variances and exceptions.
Must have good communication skills both verbally and in writing.

As a condition of employment with Fannie Mae, any successful job applicant will be required to successfully complete a background investigation.

Fannie Mae is an Equal Opportunity Employer.

Req ID: 54622