Warehouse Lending Credit Officer

PrimeLending • Dallas, TX

5d

About The Position

The National Warehouse Lending (NWL) Credit Officer executes credit risk management strategies for the National Warehouse Lending division, ensuring strong credit quality, sound deal structures, effective ongoing monitoring, and adherence to bank credit policies. This role provides strategic oversight of credit and risk operations, manages credit/risk staff, and partners closely with Warehouse Lending leadership to support profitable, well ‑ structured client relationships. The NWL Credit Officer serves as the division’s key risk steward, promoting disciplined credit standards, proactive portfolio monitoring, strong portfolio performance, and consistent application of risk policies across all warehouse lending clients.

Requirements

• Bachelor’s degree in Business or related field required.
• 5 or more years’ experience in mortgage warehouse lending credit, risk or lending with demonstrated warehouse lending credit knowledge; previous management or mortgage warehouse lending sales experience a plus.
• Demonstrated knowledge of mortgage warehouse lending as well as mortgage banking operations for originators typical of the bank’s portfolio.
• Ability to interface effectively and professionally with senior/executive level management.
• Proficient in the communication of technical information both verbally and in writing to both technical and non-technical audiences.
• Ability to travel in order to develop and maintain customer base and attend training/development sessions.
• Must have excellent judgement and decision-making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, accountability, and attention to detail.

Nice To Haves

• Accounting or Finance degree strongly preferred.
• previous management or mortgage warehouse lending sales experience a plus.

Responsibilities

• Executes and upholds the bank’s credit policies within the National Warehouse Lending division, ensuring consistent application of credit standards across all lending relationships.
• Evaluates the financial condition, performance, and qualitative attributes of mortgage originators and investors to determine creditworthiness, sustainability, and long ‑ term relationship viability.
• Reviews and provides departmental approval of all credit packages completed by the credit team before releasing them for approval to the appropriate designated signing authority.
• Partners with Warehouse Lending sales, operations, and senior leadership to support strategic growth while maintaining strong credit discipline.
• Cultivates a network of industry, client, and internal relationships to monitor market dynamics, anticipate regulatory changes, and gather insights that support informed assessments of borrower character, capacity, and conditions.
• Develops, analyzes, and delivers reports to the Warehouse Oversight Committee, Board of Directors, and senior leadership, providing meaningful insights into credit quality, portfolio trends, and risk indicators.
• Supports departmental risk mitigation efforts by providing guidance to team members including, but not limited to, quality control, settlement agent and counterparty due diligence.
• Oversees portfolio health through proactive credit monitoring, covenant compliance, borrowing base monitoring, collateral controls, warehouse line usage, and exposure management.
• Identifies emerging risks, trends, or deterioration in client performance and recommend action plans, adjustments, or exit strategies, ensuring the upline credit management is promptly informed of any material concerns.
• Ensures compliance with general regulatory, credit, and operational standards, including collateral controls and security requirements unique to warehouse lending.
• Contributes to policy refinement, workflow optimization, and process modernization to improve efficiency and risk oversight.
• Directly manages departmental credit and risk staff, providing leadership, coaching, and development to maintain high-performing teams.
• Other duties as assigned

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level