SVP, Credit Risk
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Job Description
Senior credit executive overseeing DreamBuilder mortgage lending risk, underwriting exceptions, and portfolio performance. Partnering with leadership, compliance, operations, and capital markets to support responsible growth.
Responsibilities:
- Serve as the primary credit authority for the DreamBuilder product
- Evaluate and approve complex credit scenarios and loan structures outside standard program guidelines
- Analyze borrower, property, and transaction risks to determine overall loan viability
- Monitor portfolio performance, delinquency trends, repurchase exposure, and emerging credit risks
- Oversee interpretation and application of DreamBuilder underwriting guidelines
- Review and approve underwriting exceptions within delegated authority
- Provide guidance to underwriting personnel on complex loan matters
- Ensure consistency, quality, and accuracy in credit reviews and approvals
- Evaluate credit implications of proposed guideline changes and new product features
- Support development of eligibility standards, compensating factors, and exception criteria
- Participate in investor, warehouse bank, and regulatory discussions related to the DreamBuilder program
- Develop reporting mechanisms to monitor approval rates, exceptions, loan quality, and program performance
- Present credit risk findings and recommendations to executive leadership
- Ensure adherence to federal, state, investor, and company lending requirements
- Partner with Compliance, Legal, and Quality Control teams to maintain regulatory compliance
- Support internal and external audits, examinations, and investor reviews
- Implement corrective action plans when quality or compliance concerns are identified
- Partner with Sales, Operations, Underwriting, Capital Markets, and Executive Leadership to balance growth objectives with risk tolerance
- Foster a culture of accountability, sound judgment, and operational excellence
Requirements:
- 8+ years of mortgage underwriting, credit risk, or lending experience
- 5+ years of leadership experience managing credit, underwriting, or risk functions
- Extensive knowledge of residential mortgage underwriting principles, risk assessment methodologies, and regulatory requirements
- Demonstrated experience evaluating complex borrower credit profiles and exception requests
- Strong analytical, decision-making, and problem-solving skills
- Experience presenting recommendations and risk analyses to senior leadership
- Experience managing non-QM, affordable housing, first-time homebuyer, shared appreciation, DPA, or alternative qualification loan programs
- Experience working with investors, warehouse lenders, and secondary market participants
- Strong understanding of portfolio performance management and credit analytics
- Previous responsibility for establishing or administering specialized mortgage credit programs
- Reliable internet connection and a quiet, professional workspace expected
- Ability to communicate via oral and written communication
- Ability to occasionally pick up and/or move up to 15 pounds
Benefits:
- Company-provided essential equipment such as computer, headset and webcam
- Fully remote work from the employee’s home or another approved off-site location
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