Head of Credit and Underwriting

3 months ago

Charlotte, United States Churchill Real Estate Full time

Overview:

The Head of Credit and Underwriting will be responsible for the strategic oversight and leadership of the company’s credit risk, underwriting, and risk management functions within the business purpose residential lending business unit. This role requires a seasoned professional with deep expertise in credit risk management, underwriting, and leadership. The ideal candidate will ensure that all loan decisions are aligned with the company’s risk appetite, regulatory requirements, and business objectives.


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.


Qualifications:

  • 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.

  • Head of Credit and Underwriting

    2 months ago

    charlotte, United States Churchill Real Estate Full time

    Overview:The Head of Credit and Underwriting will be responsible for the strategic oversight and leadership of the company’s credit risk, underwriting, and risk management functions within the business purpose residential lending business unit. This role requires a seasoned professional with deep expertise in credit risk management, underwriting, and...

  • SBA Credit Underwriter- Charlotte, NC

    1 day ago

    Charlotte, United States F.N.B. Corporation Full time

    Primary Office Location: 401 S Graham St. Charlotte, North Carolina. 28202. Join our team. Make a difference - for us and for your future. Position Title: SBA Credit Underwriter Business Unit: Credit Reports to: SBA Credit Officer Position Overview: This position is primarily responsible for preparing financial analyses of current and prospective SBA loan...

  • Underwriting Representative

    1 day ago

    Charlotte, United States CPI Security Full time

    As an Underwriting Representative, you will play a crucial role in the evaluation and analysis of sales for new and existing customers. Your responsibilities will include assessing the information provided in contracts, quotes, credit reports, homeownership, and additional documentation to provide approval on sales. This role requires a keen attention to...

  • Senior Credit Specialist

    6 days ago

    Charlotte, North Carolina, United States City National Bank Full time

    Job Description:In this role as a Senior Credit Specialist, you will be responsible for analyzing loan transactions and providing credit expertise to the cash flow lending/leveraged finance group. This position requires a strong understanding of financial concepts and regular use of ingenuity and creativity in solving complex credit problems.The ideal...

  • Chief Credit Risk Modeler

    2 weeks ago

    Charlotte, North Carolina, United States Sumitomo Mitsui Banking Corp Full time

    We're excited to offer this opportunity to join our dynamic team as a Data Science Lead at Sumitomo Mitsui Banking Corp. You'll play a pivotal role in enhancing our Credit risk Data Science function and driving full lifecycle model development and approval process at the bank.ResponsibilitiesYour key responsibilities will include:Developing and deploying...

  • Credit Analyst

    5 months ago

    Charlotte, United States Churchill Real Estate Full time

    Overview:As part of the Operations team, the Credit Analyst is responsible for evaluating the creditworthiness of loan applicants in the business purpose residential lending space. This role involves analyzing financial data, assessing risk, and making recommendations to ensure the integrity of our loan portfolio.Responsibilities:Review and analyze financial...

  • Credit Analyst

    4 days ago

    Charlotte, United States Churchill Real Estate Full time

    Overview:As part of the Operations team, the Credit Analyst is responsible for evaluating the creditworthiness of loan applicants in the business purpose residential lending space. This role involves analyzing financial data, assessing risk, and making recommendations to ensure the integrity of our loan portfolio.Responsibilities:Review and analyze financial...

  • Team Lead Credit Delivery

    1 day ago

    Charlotte, United States AccruePartners Full time

    THE TEAM YOU WILL BE JOINING: Fortune 500 financial services firm headquartered in Charlotte, NC with a significant investment in innovation Recognized by Fortune as one of the world`s most admired companies in 2012 along with many other awards around social responsibility, diversity, equity and inclusion and client experience. Purpose driven and...

  • Credit Officer II

    4 months ago

    Charlotte, United States City National Bank Full time

    Overview: CREDIT OFFICER II, Fund Finance Team: Hybrid Work Schedule, Charlotte, NC., Los Angeles, CA., NYC, NY., San Francisco, CA. WHAT IS THE OPPORTUNITY? Participates in the loan management process by providing credit and loan underwriting expertise to the capital call and subscription lending group within the Fund Finance Team. Analyzes prospective...

  • Associate - Commercial Real Estate Credit Delivery

    1 month ago

    Charlotte, United States Truist Financial Corporation Full time

    The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status. Need...

  • Sr. Credit Products Officer-Dealer Financial Svs

    4 days ago

    Charlotte, United States Disability Solutions Full time

    Job Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.Being a Great Place to Work is core to how we drive Responsible Growth. This includes our...

  • Loan Portfolio Manager

    2 weeks ago

    Charlotte, North Carolina, United States Skyla Credit Union Full time

    Job Description:We are looking for a Loan Portfolio Manager to oversee the growth and management of our consumer loan portfolio. As a Loan Portfolio Manager, you will be responsible for analyzing credit reports, evaluating loan applications, and making informed lending decisions.Key Responsibilities:Analyze credit reports and evaluate loan applications to...

  • Business Credit Risk Analyst

    7 days ago

    Charlotte, North Carolina, United States BCforward Full time

    Job Summary:We are seeking a highly motivated Business Credit Risk Analyst to join our team in Charlotte, NC. The ideal candidate will have experience in receivable, inventory, and/or other type of collateral monitoring.Key Responsibilities:Maintain a professional and courteous manner with all borrowers, including assisting borrowers by answering questions...

  • Credit Review Senior Portfolio Manager

    4 weeks ago

    Charlotte, United States Disability Solutions Full time

    Job Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.One of the keys to driving Responsible Growth is being a great place to work for our...

  • Churchill Real Estate | Credit Analyst

    6 days ago

    charlotte, United States Churchill Real Estate Full time

    Overview:As part of the Operations team, the Credit Analyst is responsible for evaluating the creditworthiness of loan applicants in the business purpose residential lending space. This role involves analyzing financial data, assessing risk, and making recommendations to ensure the integrity of our loan portfolio.Responsibilities:Review and analyze financial...

  • Commercial Real Estate Credit Delivery Specialist

    4 weeks ago

    Charlotte, North Carolina, United States Truist Full time

    About the RoleAs a Commercial Real Estate Credit Delivery Associate at Truist, you will play a crucial role in facilitating financial analysis, risk assessment, and credit structure recommendations for Commercial Real Estate clients and prospects. Your strong understanding of the Commercial Real Estate market, credit, and products will enable you to take...

  • Financial Services Specialist

    2 weeks ago

    Charlotte, North Carolina, United States Skyla Credit Union Full time

    Job Title:Financial Services SpecialistAbout the Role:We are seeking a highly skilled Financial Services Specialist to join our team at Skyla Credit Union. As a Financial Services Specialist, you will be responsible for processing member loan applications and growing the consumer loan portfolio.Key Responsibilities:Process member loan applications via...

  • Credit Analyst

    7 days ago

    Charlotte, United States BCForward Full time

    Job DescriptionJob DescriptionBCforward is currently seeking a highly motivated Credit Analyst for an opportunity in Charlotte, NC 28209! Job Details:Job Title: Credit AnalystLocation: Charlotte, NC 28209Job Type: Contract to HireDuration: 3 months of ContractAnticipated Start Date: ASAP Job Description:·         A CS serves as the primary loan...

  • Lending Specialist

    3 weeks ago

    Charlotte, United States Skyla Credit Union Full time

    Location: 3700 South Blvd. Suite 400 Charlotte, NC 28209 Job Grade: 8 primary functions: Process member loan applications and strive to grow the consumer loan portfolio. Communicate loan decision after application is completed and decisioned. Maintain knowledge of all lending and payment protection products and services. Identify opportunities for protecting...

  • Credit Review Senior Portfolio Manager

    1 day ago

    Charlotte, United States Pionear LLC Full time

    Job description At Client, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our...