Kalispell, Montana
Banking (Business and Financial Operations Occupations)
Job Type
Temp to Perm
Working Hours
8:00 AM - 5:00 PM
US$ 1.00 per hour
Ref. Number
Demars, Nikki, Spherion
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Job Description

Provide prompt and accurate credit analysis for Mortgage Lenders in all locations. Support Mortgage Lenders as needed and required.

-Analyze Personal, Partnership, S-Corporation and C-Corporation tax returns and Financial Statements to assist Mortgage Lenders in establishing income.
-Use EBITDA, UCA cash analysis to analyze all entities that contribute or use cash reasonably available for debt service at both individual and globalized levels.
-Determine aggregate cash ratios for debt to income and debt service coverage.
-Ensure that analysis is accurate, organized, and completed in a timely manner in support of Mortgage Lenders ability to gain approval of loans.
-Generate reports and design spreadsheets necessary to facilitate the above analysis and track information for use in future years.
-Conduct additional research on information provided regarding owned properties and accompanying lien status and property location.
-Work proactively and positively with Mortgage Lenders in requesting additional information in order to ensure consistency, quality, and a timely completion of analysis.
-Scan source documents for filing by Credit Administration.
-Maintain ongoing communication with Mortgage Loan Underwriter Manager, informing them of all pertinent problems, developments, changes and other important information.
-Stay abreast of all current and changing compliance and regulatory laws.
-Attend Mortgage Lender Meetings as required.
-Work with Collection Department with regards to delinquent loans.

Working hours: 8:00 AM - 5:00 PM

-Ability to communicate effectively verbally, in writing, and over the phone, with the management team.
-Strong mathematical skills.
-Proficiency in Excel.
-Strong analytical and organizational skills.
-Ability to prioritize work and ability to manage multiple projects.
-Ability and willingness to pursue and obtain additional professional training and / or certifications as needed.


1-4 years

-Associates of Bachelor's degree in Finance, Economics or Business preferred but not required.
-1-2 years professional experience in Financial Analysis and Lending required.

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Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion. EEO Employer: Race, Religion, Color, National Origin, Citizenship, Sex, Sexual Orientation, Gender Identity, Age, Disability, Ancestry, Veteran Status, Genetic Information, Service in the Uniformed Services or any other classification protected by law.

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