VP of Credit Risk

From a credit risk perspective, this role is focused on policy-level decision making rather than individual loan underwriting. The VP of Credit Risk is responsible for setting and continuously refining the framework that the client originates loans within.
This includes evaluating whether current underwriting guidelines will consistently produce high-quality loans, while ensuring they are not overly restrictive and limiting business growth. The goal is to strike the right balance between risk management and origination opportunity, creating guidelines that support a scalable, repeatable, and viable loan product.
This person must have a strong pulse on the broader market, including industry trends, regulatory changes, and shifts within the servicing portfolio. They will regularly assess performance data to determine if adjustments are needed—making this a living, evolving set of policies that adapts to market conditions and risk exposure.
At its core, credit risk in this role is grounded in the concept of ability to repay, ensuring that all guidelines ultimately support responsible lending while protecting the business from unnecessary risk.
Core Responsibilities
Own and manage credit risk policy, underwriting guidelines, and loan eligibility parameters
Balance risk vs. business opportunity (ensuring scalable, profitable lending practices)
Monitor and adjust policies based on:
Market trends
Portfolio performance
Regulatory changes
Partner with investors and agencies to:
Negotiate guidelines
Manage loan-level exceptions/waivers
Analyze key metrics:
Delinquency rates
Default rates & severity
Loan quality trends
Lead credit policy strategy and product risk evaluation
Stress-test policies against potential credit events
Collaborate with internal stakeholders, regulators, and investors

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10+ years in mortgage underwriting / credit risk
6+ years of leadership experience
Deep expertise in:
Mortgage underwriting
Credit policy development
Strong knowledge of:
Non-QM lending (critical focus)
GSE, HUD, VA, USDA products
Familiarity with:
Consumer lending regulations (federal/state)
Secondary market guidelines
Proficiency in:
Microsoft Office Suite
Collaborative and third-party tools
Roll-up-your-sleeves mentality (critical)
Highly analytical and solutions-oriented
Strategic thinker who can also execute tactically
Strong collaborator and communicator
Ability to:
Identify root causes quickly
Propose practical, data-driven solutions
Re-engineer processes where needed

Bachelor’s degree
Experience with AllRegs / ICE Mortgage Technology tools

Benefit packages for this role will start on the 1st day of employment and include medical, dental, and vision insurance, as well as HSA, FSA, and DCFSA account options, and 401k retirement account access with employer matching. Employees in this role are also entitled to paid sick leave and/or other paid time off as provided by applicable law.