Head of Credit and Risk Management

3 days ago


Charlotte, North Carolina, United States Churchill Real Estate Full time

Job Summary:

Churchill Real Estate is seeking a seasoned professional to lead its credit risk management and underwriting functions. The ideal candidate will have a deep understanding of credit risk management, underwriting, and leadership, with a proven track record of developing and implementing successful credit risk management and underwriting strategies.

Key Responsibilities:

  • Develop and implement a comprehensive credit risk management strategy that aligns with the company's business objectives and regulatory requirements.
  • Lead the underwriting team, ensuring consistency, accuracy, and efficiency in all credit decisions.
  • Serve as a key member of the leadership team, providing insights on portfolio performance, emerging risks, and market trends.
  • Oversee the assessment and management of credit risk across the entire loan portfolio, ensuring alignment with the company's risk tolerance.
  • Lead the underwriting team in evaluating and approving loan applications.
  • Develop, implement, and enforce underwriting policies and procedures that align with company objectives and regulatory guidelines.
  • Ensure that all underwriting practices are consistent, efficient, and adhere to the highest standards of quality and compliance.
  • Ensure that all credit and underwriting practices comply with relevant regulatory requirements and internal policies.
  • Regularly review and update credit risk and underwriting policies in response to changes in the market, regulatory environment, and business goals.
  • Lead, mentor, and develop the underwriting team, fostering a culture of excellence, collaboration, and continuous improvement.
  • Provide ongoing training and professional development opportunities to ensure the teams are up-to-date with industry trends, best practices, and regulatory changes.
  • Set performance goals, conduct regular performance reviews, and provide feedback and coaching to team members.
  • Act as the primary point of contact for internal and external stakeholders on all credit, underwriting, and risk management matters.
  • Collaborate with sales, operations, and other departments to ensure alignment on lending strategies, risk management, and customer expectations.
  • Communicate credit and risk management decisions and policies clearly and effectively to all relevant parties.

Requirements:

  • Bachelor's degree in Finance, Business, Economics, Real Estate, or a related field; MBA or advanced degree preferred.
  • Minimum of 10 years of experience in credit risk management, underwriting, or a related field, with at least 5 years in a senior leadership role.
  • Extensive knowledge of business purpose residential real estate lending, including market trends, property types, and risk factors.
  • Proven track record of developing and implementing successful credit risk management and underwriting strategies.
  • Strong leadership and team management skills, with the ability to mentor and develop high-performing teams.
  • Excellent analytical, decision-making, and problem-solving skills, with a keen attention to detail.
  • Strong communication and interpersonal skills, with the ability to collaborate effectively across departments and with external partners.
  • Familiarity with relevant regulatory requirements and industry best practices.


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