We are assisting one of the nation’s premier residential mortgage lenders with their search for a SVP, Credit Policy. This position can either be based in Orange County California, Scottsdale Arizona, or Dallas Texas and our client is working a hybrid work schedule.
This role will oversee Enterprise Credit Policy and Risk for the company. Requires a firm understanding of Credit Underwriting and Risk Management along with a thorough understanding of the Residential Lending process.
Salary : $205k-$230k
Responsibilities :
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 with Senior Management, Investors, and Capital Markets to create and maintain guidelines for all products 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 leaders in Enterprise Credit Quality and 0perations 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.
Qualifications :
Bachelor’s Degree required
10 + years’ experience working in a similar field.
8 + years of management experience preferred.
8 + years of conventional and government loan experience.
Experience in the Mortgage industry preferred.
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.
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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. We are assisting one of the nation’s premier residential mortgage lenders with their search for a SVP, Credit Policy. Chairs the Ente...
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