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VP, Credit Risk Officer

Job Req ID 21320334 Primary Location O'Fallon, Missouri; Wilmington, Delaware; Atlanta, Georgia; Elk Grove Village, Illinois; Irving, Texas Job Category Risk Management
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The Risk Manager is responsible for oversight of Credit Risk and Quality for First Mortgage originations.  This role is responsible for reviewing high risk transactions as well as communicating Credit Policy and Risk Appetite to Sales and Fulfillment Partners and mentoring Underwriters.


  • Provides robust credit risk management across all mortgage channels by reporting on underwriter performance.
  • Oversight for teams that deliver a consistent, objective and sophisticated process of underwriter review.
  • Proficient at underwriting and auditing complex mortgage financing transactions.
  • Proficient in review of FNMA/FHLMC transactions
  • Identifies credit risk, process trends and training needs within the body of underwriting work completed each month.
  • Calibrates variances with front-end QA, GSE and HUD requirements.
  • Assures precise and adequate sampling of underwriters’ work to make accurate assessments of underwriter decision making.
  • Evaluates the process of underwriter performance review to encapsulate all relevant decision making and calculations in the review.
  • Provides for competent discourse of rebuttals to variances and quick resolution of risk issues in loan originations.
  • Partners with front-end QA to provide seamless quality checks on all mortgage originations and correspondent fundings.
  • Identifies measures and reports on complex underwriting issues at the individual underwriter level and the macro level, across all mortgage channels.
  • Performs other duties and functions as assigned.


  • 6-10 years relevant experience
  • Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
  • Exercises wide degree of latitude and discretion.


Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:


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