Chief Credit Officer
You will architect and execute enterprise credit risk strategy across originations, pricing, portfolio management, and collections. You will lead and develop a team of credit professionals, chair the Credit Committee, and present credit matters to senior leadership and the board. You will design and iterate proprietary loan products, run loss forecasting, financial modeling, and stress testing, and drive automation to compress the application-to-approval funnel. You will serve as the primary liaison to regulatory bodies and manage investor relationships, including pricing, hedging, and warehouse functions.
Responsibilities
- Lead an organization of credit professionals accountable for managing risk across a diverse lending portfolio
- Set enterprise-wide credit risk strategy across originations, pricing, portfolio management, and collections
- Chair the Credit Committee and engage with senior leadership and the board on credit matters
- Develop and iterate proprietary loan products and lead risk analysis for product market fit
- Drive automation to compress the funnel from application to final approval
- Act as primary liaison to regulatory bodies to ensure supervisory alignment
- Oversee loss forecasting, financial modeling, and stress testing methodologies
- Build and manage relationships with investors, including pricing, hedging, and warehouse functions
Requirements
- 15–20+ years of experience in credit risk management and portfolio oversight
- Extensive background in Mortgage and Home Equity credit risk including LTV and CLTV management and valuation models
- Experience working outside of large banks and thriving in agile, high-growth or startup settings
- Ability to develop a systematic secondary marketing group and manage primary and secondary market inefficiencies
- Advanced understanding of loss forecasting and investment logic to automate credit decisioning
- Proven track record managing remediation efforts and maintaining relationships with federal regulatory agencies
Benefits
- 25% annual bonus target paid quarterly
- Company equity in the form of RSUs
- Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
- Company HSA, FSA, Dependent Care, 401k, and commuter benefits
- Employer-funded life and disability insurance coverage
- 11 observed holidays and PTO plan
- Up to 12 weeks paid family leave
- Continuing education reimbursement