Credit Manager Jobs

About The Position

Requirements

• Bachelor’s degree in Business Administration, Finance, Legal Studies, Accounting, Risk Management, or a related field; an equivalent combination of education, training, and relevant experience may substitute for minimum education and experience requirements.
• At least seven years of experience in credit servicing, mortgage servicing, audit, regulatory compliance, quality assurance, operational risk, or related disciplines, including at least three years in a leadership role.
• Strong knowledge of credit servicing operations across Mortgage, Commercial, Auto, Consumer, Credit Card, or related financial products.
• Extensive knowledge of financial institution regulations, internal controls, investor requirements, and credit servicing guidelines, including CFPB, RESPA, Fannie Mae, Freddie Mac, or related regulatory frameworks.
• Expertise designing, executing, and enhancing risk-based quality review, compliance, audit, and monitoring programs, including process-risk matrices, review plans, controls, findings, and corrective action plans.
• Strong root-cause analysis and risk-assessment skills, with ability to partner with business units on sustainable remediation and process improvements.
• Ability to lead audit-level discussions and serve as liaison with internal and external auditors, regulators, examiners, investors, and other oversight parties.
• Experience developing management reports, dashboards, KPIs, audit-status reporting, and compliance or operational-performance metrics.
• Proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, and Outlook.
• Strong analytical, critical-thinking, decision-making, and problem-solving skills.
• Proactive, detail-oriented, innovative, and customer-focused approach, with ability to identify emerging risks, establish priorities, and balance compliance, risk mitigation, operational efficiency, and customer experience.
• Strong leadership, coaching, communication, collaboration, influencing, and stakeholder-management skills, including ability to develop employees, drive accountability, manage competing priorities, and coordinate cross-functional initiatives.
• Effective written and verbal communication skills in English and Spanish.
• Legally authorized to work in the United States, with permanent or ongoing work authorization that can be maintained throughout employment.

Nice To Haves

• Strong mortgage servicing experience.
• Experience with reporting, workflow, data-analysis, or automation tools.

Responsibilities

• Manage the unit responsible for Credit Servicing Quality Review, Regulatory Compliance, and Monitoring across Mortgage, Commercial, Auto, Consumer, and Credit Card products.
• Lead the design, execution, and continuous enhancement of risk-based quality-control and compliance-monitoring programs.
• Develop and maintain a comprehensive matrix of servicing processes, risks, controls, and responsible units.
• Set review priorities and monitoring frequency based on regulatory and operational risk.
• Monitor servicing activities for compliance with federal and state regulations, investor requirements, internal policies, procedures, and controls, including applicable CFPB, RESPA, Fannie Mae, and Freddie Mac requirements.
• Identify, document, escalate, and report regulatory, operational, and control deviations.
• Conduct root-cause analyses and partner with business units to develop and implement sustainable corrective action plans.
• Evaluate servicing processes, operational data, recurring reports, system changes, and data-remediation activities to identify emerging risks, control gaps, inefficiencies, automation opportunities, and improvements to quality, compliance, productivity, and customer experience.
• Coordinate cross-functional remediation and process-improvement initiatives with Operations, Legal, Risk, Compliance, IT, business units, branches, contact centers, and external service providers.
• Develop and maintain dashboards, KPIs, management reports, monitoring results, audit-status reporting, and corrective-action tracking.
• Serve as primary liaison for internal and external auditors, regulators, examiners, investors, and other oversight parties.
• Coordinate audit and examination preparation, information requests, responses, supporting evidence, findings, commitments, and remediation activities.
• Lead, coach, and develop quality analysts, compliance specialists, and other assigned employees; establish priorities, drive accountability, and foster compliance, continuous improvement, innovation, and customer-centricity.
• Maintain current procedures, monitoring standards, documentation, and training materials; ensure required regulatory and organizational training is completed.
• Perform other duties as assigned.