Description

• Drives progress on all initiatives in designing the enterprise-wide credit platform to reduce fragmentation and credit risk, strengthening capabilities for continued growth of the organization.
• Provides expertise regarding strategy, operations/financial management, customer loyalty, and building organizational effectiveness.
• Creates/implements strategic plans to accomplish business objectives while providing recommendations into longer-term business line strategic plans.
• Works behind the scenes to coordinate and direct the daily operations of the team.
• Designs and implements processes, solves problems, and mediates disputes while ensuring credit policy-related plans are executed responsibly.
• Works with Senior Management, Investors, and Capital Markets to create and maintain guidelines for all product(s) that can be sold into the secondary market.
• Acts as a resource to business partners with respect to questions about product and/or other issues that may come up during the lending cycle based on industry knowledge and experience.
• Ensures integrity of the Enterprise Credit Policy framework in terms of underwriting criteria across various lending divisions.
• Coordinates meetings with various groups/divisions to clarify issues, identifies responsibilities and determines impact of policy/procedural modifications and, in general, facilitates the timely development of new and revised procedures.
• Chairs the Enterprise Credit Policy Committee (ECPC), reviews loan performance and quality data as well as other credit data to make recommendations that will drive loan quality and performance.
• Acts as the final end point for escalated credit policy decisions and as the key point of contact with regulators and other counter parties relating to credit policy.
• Provides thought leadership on new and existing loan programs. Identifies areas for improvement and implements changes as necessary.
• Works with VP, Enterprise Credit Quality and leadership in Operations and underwriting to review QA/QC results and implement necessary guideline changes to increase loan quality and performance.
• Works with Sales leadership to ensure that products, lending guidelines, and credit policy are aligned with company strategy for success.

• Bachelor’s Degree preferred and a minimum of twelve (12) + years’ experience working in a similar field.
• Minimum eight (8) + years of management experience preferred.
• Minimum eight (8) + years of conventional and government loan experience.
• Experience in the Mortgage industry preferred.
• Experience in Underwriting designations preferred.
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position.
• Displays expert knowledge in conventional, government, and non-prime guidelines as well as a deep and wide network at the GSEs, HUD, FHA, and VA.
• Skilled at developing credit KRIs, KPIs and management reporting as well as interpreting credit-related data.

• Aggressive compensation package based on experience and skill set.
• Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
• Work with other passionate, purposeful, and customer-centric people.
• Extensive internal growth and professional development opportunities including tuition reimbursement.
• Comprehensive benefits package including Medical/Dental/Vision.
• Wellness program to support both mental and physical health.
• Generous paid time off for both exempt and non-exempt positions.