Residential Loan Credit Analyst, Vice President

Annaly is seeking a Residential Whole Loan Credit Analyst (VP Level) with Non-QM loan experience. The candidate should be well versed on acquisition timelines, managing various seller pipelines, and have loan-level scenario and exception review expertise as well as familiarity with seller guideline reviews.

The candidate will be a part of a team that is responsible for handling direct originator communications pertaining to exception/scenario requests, guideline clarifications, loan scenarios and general matters surrounding post close diligence.

The ideal candidate will have 10+ years of relevant credit experience in the residential mortgage whole loan market, preferably Non-QM underwriting. In addition, they should have experience managing post close due diligence with TPRs, making credit decisions to help assist the Onslow Bay scenario desk, closely interact with correspondent partners, and monitor market underwriting guidelines.

• Main point of contact in conjunction with sales coverage for specific originators to ensure the loans locked and delivered are reviewed for post close diligence in a timely manner, issues or exceptions are understood, and that loans can be cleared for funding expeditiously.
• Review credit exception requests/scenarios with the ability to determine acceptability or denial as well as placing conditions, if applicable.
• Monitor market guidelines and recommend enhancements to Onslow Bay’s post-close process.
• Ability to effectively communicate Onslow Bay underwriting guidelines to various levels of sellers’ employees such as loan officers or underwriters.

• 10+ years of experience in whole loan underwriting, collateral, funding and post close review process.
• Bachelor’s Degree required.

• Ability to manage multiple projects at a time and prioritize accordingly.
• Ability to effectively communicate, both written and verbally, with Senior Management regarding the progress and results of projects and initiatives.
• Ability to work effectively under time constraints in a fast‑paced environment.

• Must be willing to submit to a background investigation.
• Must have unrestricted work authorization to work in the United States.
• Must be willing to work additional hours as needed to complete deadline‑driven projects.
• Must be willing to work in Dallas, TX (on‑site three (3) days).

Annaly is committed to equal employment opportunity and providing reasonable accommodations to qualified candidates and employees pursuant to applicable law. We value and encourage diversity and solicit applications from all qualified applicants without regard to race, color, gender, sex, age, religion, creed, national origin, ancestry, citizenship, marital status, sexual orientation, physical or mental disability, medical condition, military and veteran status, gender identity or expression, genetic information, or any other characteristic protected by federal, state, or local law.

If you require reasonable accommodation as part of the application process, please contact our Human Resources department.