Senior Investment Associate – Residential Whole Loan Credit, Due Diligence

Prudential Financial

. Support acquisition, asset management, and loss mitigation of closed DSCR and other Non-QM residential mortgage loans for a large institutional investment portfolio .

Posted 10/13/2026full-timeUnited StatesSenior💰 $145,000 - $155,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in evaluating and managing residential mortgage loans, particularly in DSCR and Non-QM sectors, with a strong focus on compliance, risk assessment, and loss mitigation strategies. Proficient in analyzing borrower credit and property cash flow while effectively managing third-party due diligence and transaction execution.

Highest-signal resume keywords

DSCR Loan EvaluationNon-QM Loan AcquisitionCredit Risk AssessmentMortgage Servicing KnowledgeThird-Party Due Diligence Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Residential Mortgage Loan ReviewCredit Report AnalysisDSCR CalculationAppraisal ReviewLiquidity and Reserves AnalysisValuation Risk AssessmentException EvaluationLoss Mitigation StrategiesTransaction ExecutionCompliance Interpretation

Soft Skills

Strong Written CommunicationAttention to DetailConstructive CollaborationProblem-Solving Under Deadlines

Tools & Technologies

Excel-Based Loan TapesException Trackers

Industry Keywords

Asset ManagementLoss MitigationBulk Loan PurchasesPost-Close ReviewSecuritization StandardsPrivate-Label RMBSSeller NegotiationsDiligence Rebuttals

About the role

Key responsibilities & impact

Support acquisition, asset management, and loss mitigation of closed DSCR and other Non-QM residential mortgage loans for a large institutional investment portfolio
Evaluate bulk and flow loan purchases
Resolve diligence findings
Monitor post-purchase performance
Support loan-level workout decisions
Assess each loan as an investment and distinguish curable exceptions from material credit or enforceability risks
Review DSCR, business-purpose, and Non-QM loans for compliance with acquisition guidelines, trade stips, and exceptions
Analyze borrower and guarantor credit, including liquidity, reserves, and ownership experience
Assess DSCR and property cash flow, including leases, rents, taxes, insurance, vacancy, and short-term rental assumptions
Evaluate collateral and valuation risk, including LTV/CLTV, appraisals, property condition, comparables, BPOs, AVMs, and valuation variances
Identify layered credit and collateral risks
Review title, insurance, closing, and legal documents and reconcile loan-tape data to source documentation
Manage third-party due diligence, including vendor workflow, scope, findings, budget, documentation, and issue resolution
Evaluate and disposition exceptions and deficiencies through cures, compensating factors, waivers, structural protections, repricing, or loan removal
Provide investor recommendations and support transaction execution through diligence, purchase, funding, and post-purchase review
Monitor asset performance and loss mitigation, including delinquencies, servicing activity, workouts, foreclosure alternatives, recoveries, losses, and lessons learned

Requirements

What you’ll need

5+ years of hands-on experience reviewing residential mortgage loan files
Experience preferably involving DSCR, business-purpose, Non-QM, whole-loan acquisitions, third-party diligence, correspondent credit, warehouse credit, or post-close review
Strong knowledge of credit reports, guaranties, entity borrowers, liquidity and reserves, rental-income analysis, DSCR calculations, appraisals, title, insurance, and closing documentation
Ability to interpret guidelines, evaluate exceptions, weigh materiality, and recommend commercially practical resolutions
Working knowledge of mortgage servicing, delinquency management, foreclosure, bankruptcy, property preservation, valuation updates, and loss-mitigation alternatives
Strong written communication and attention to detail
Comfort working with Excel-based loan tapes, exception trackers, and large loan populations
Ability to work constructively with sellers and vendors under transaction deadlines while escalating material risks concisely
Bachelor’s degree or equivalent professional experience
Practical loan-level experience, mortgage judgment, and ability to identify material investment risk
Closed-loan review, pre-purchase diligence, or private-label RMBS collateral review experience is a plus
Experience across more than one part of the mortgage ecosystem is a plus
Familiarity with appraisal-review products, rating-agency or securitization standards, compliance, assignee-liability considerations, and state-specific documentation issues is a plus
Experience with seller negotiations, diligence rebuttals, waivers, repricing, loan removals, repurchase analysis, servicer oversight, or workout approvals is a plus

Benefits

Comp & perks

Market competitive base salaries
Yearly bonus potential
Medical, dental, and vision insurance
Life insurance
Disability insurance
Paid Time Off (PTO)
Parental and military leave
401(k) plan with company match up to 4%
Company-funded pension plan
Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs
Work/Life Resources supporting parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development
Education Benefit for traditional college enrollment toward an approved degree and accredited certificate programs
Employee Stock Purchase Plan with shares purchasable at 85% of the lower of two prices
Discretionary annual incentive program eligibility