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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive knowledge of residential mortgage underwriting principles, credit risk assessment methodologies, and regulatory compliance. Proven ability to analyze complex credit scenarios, manage credit portfolios, and present findings to executive leadership.
Highest-signal resume keywords
Mortgage Underwriting ExperienceCredit Risk AssessmentLeadership in Credit FunctionsPortfolio Performance ManagementRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisLoan StructuringRisk Assessment MethodologiesUnderwriting Guidelines InterpretationCredit Portfolio MonitoringException Request EvaluationAnalytical SkillsDecision-MakingProblem-SolvingReporting Mechanisms Development
Soft Skills
Communication SkillsLeadershipAccountabilityOperational ExcellenceGuidance and Mentorship
Industry Keywords
Non-QM LoansAffordable Housing ProgramsFirst-Time Homebuyer ProgramsShared Appreciation LoansDPA ProgramsInvestor RelationsWarehouse LendingSecondary Market ParticipationFederal Lending RequirementsState Lending Requirements
About the role
Key responsibilities & impact- 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
What you’ll need- 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
Comp & perks- Company-provided essential equipment such as computer, headset and webcam
- Fully remote work from the employee’s home or another approved off-site location