NEO - Credit Analyst

Better is rebuilding home finance as an AI-native platform—turning a process that once took weeks into something that can happen in seconds.

With over $110B in loans funded and $1.2B+ raised, we operate at real scale while rethinking how homeownership works from the ground up.

The category hasn’t caught up yet. That’s the opportunity.

Essential Responsibilities and Duties:

• Application Analysis:

• Thoroughly review mortgage loan applications to ensure completeness, accuracy, and compliance with company policies and regulatory standards.

• Verify borrower information, employment details, credit reports, and other relevant documentation.

• Communication and Coordination:

• Act as a primary point of contact between borrowers, loan officers, underwriters, and other stakeholders.

• Communicate with clients to collect necessary documentation and address inquiries throughout the loan process.

• Document Preparation and Submission:

• Prepare and organize loan files for submission to underwriting, ensuring all required documentation is included.

• Collaborate with underwriters to address any additional documentation needs or conditions.

• Timeline Management:

• Monitor and manage loan processing timelines to ensure timely closings.

• Provide regular updates to all parties involved in the loan transaction.

• Compliance and Quality Assurance:

• Ensure strict adherence to regulatory requirements, company policies, and industry best practices.

• Conduct quality assurance checks on loan files to identify and address any discrepancies.

• Problem Resolution:

• Identify and resolve issues or challenges that may arise during the loan processing stage.

• Collaborate with team members and other departments to overcome obstacles and ensure a smooth process.

Non-Essential Job Duties and Responsibilities

• Adopts NEOs values in work behavior, decision making, contributions and interpersonal interactions.

• Promotes interdepartmental communication and culture.

• Lead, develop and motivate the team across all locations and operational functions.

• Continued focus to ensure all families (Internal and External) are receiving the best possible service.

Qualifications and Skills:

• Bachelor's degree in finance, business, or a related field is preferred.

• Or proven experience as a loan processor in the mortgage industry.

• In-depth knowledge of mortgage loan products, underwriting guidelines, and regulatory requirements.

• Strong analytical and problem-solving skills.

• Excellent communication and interpersonal skills.

• Detail-oriented with a focus on accuracy.

• Proficient in mortgage processing software and Microsoft Office applications.

Benefits:

• Competitive compensation reliant on ability and experience.

• Comprehensive healthcare, retirement, and voluntary benefits. Think medical, dental, vision, health savings accounts, 401k, and more.

• Personalized care and tools for realizing your mental health and wellness goals.

• Flexible PTO program second to none.

• Option for remote and hybrid work arrangements available.

• Additional benefit perks and discounts.

What We Offer

• Performance-driven compensation
  Competitive base salary with bonus or incentive opportunities, depending on role

• Comprehensive, flexible health benefits
  A range of medical and dental plans to choose from based on your needs, with vision coverage available for you and your family starting on day one.

• Financial wellbeing & long-term support
  Build long-term financial security with a 401(k) through Vanguard, HSA with employer contributions, FSA’s, Employer Paid STD & LTD plans and access to financial planning resources.

• Time to recharge
  Generous paid time off, company holidays, sick time, and paid parental leave.

• Support for families
  Paid parental leave and childcare support, including employer matching for dependent care FSA.

• Holistic wellbeing support
  Mental health care (6 free virtual or in-person sessions) and wellness programs through Spring Health, EAP access, and additional perks like pet insurance and lifestyle discounts.

• Flexibility in how you work and live
  Pre-tax Commuter benefit accounts with an employer match, and programs designed to support different working styles and lifestyles.

• Daily perks that make work better
  Meal and snack offerings in select offices, plus a stipend to support your day-to-day - whether you’re in the office or working remotely.

• An exceptional NYC office experience
  Work from our World Trade Center headquarters - featuring thoughtfully designed spaces, natural light, and panoramic skyline views. It’s a space built for collaboration, creativity, and bringing bold ideas to life.

• High-impact work at a category-defining moment
  Help shape the brand of an AI-native company reinventing homeownership from the ground up.

Better Home & Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Better is the first AI-native mortgage and home equity finance company, revolutionizing one of the largest financial markets in the world. We make home finance radically more transparent; using AI and proprietary technology to eliminate friction from the mortgage process through our industry-leading AI platform, Tinman®, and the first voice-based AI mortgage assistant, Betsy™. Our mission is simple: make homeownership cheaper, faster and more accessible by transforming how people buy and finance homes.

The facts that speak for themselves:

• We’ve funded over $110 billion in loans (more than any other fintech in the US!)

• Raised over $1.2 billion in equity capital to modernize the $15 trillion mortgage industry

• Better’s propriety AI platform makes us an award-winning lender:

  • Fintech Breakthrough Award 2025: Best Lending Innovation

  • Yahoo! Finance (Jan 2025): Best Mortgage Lender for First-Time Homebuyers – Best for quick approval

  • Yahoo! Finance (2025): Best Online Mortgage Lender

  • Money Magazine (2025): Best for fast closing

  • Forbes (2023): Best Online Mortgage Lender

We’re building the future of home finance - and we’re looking for smart, driven, ambitious innovators who are ready to tackle the most impactful work of their careers.