Senior Manager, Credit Policy and Construction Risk

WHAT YOU'LL DO:

Operational Leadership 

• Design and implement scalable processes for pre-close reviews, draw management, and funds disbursement. 

• Lead cross-functional teams to ensure timely and compliant loan closings. 

• Develop and maintain SOPs for underwriting, risk assessment, and post-close monitoring. 

• Oversee risk evaluation protocols for construction and renovation loans, including borrower vetting, project feasibility, and collateral analysis. 

• Ensure compliance with internal policies and external regulations. 

• Collaborate with legal and compliance teams to manage operational risk exposure. 

Credit Policy Development 

• Draft and implement construction and renovation loan credit policies in alignment with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, GNMA). 

• Develop loan-level underwriting criteria, including borrower eligibility, builder acceptance, collateral requirements, and fund control standards. 

• Translate regulatory and investor requirements into practical operational guidelines. 

• Review and refine risk matrices, appraisal criteria, and budget feasibility methodologies. 

• Provide training and documentation support to lender credit and underwriting teams. 

Client & Stakeholder Engagement 

• Serve as a senior point of contact for clients during onboarding and throughout the loan lifecycle. 

• Represent the company at industry events and client meetings. 

• Build and mentor a team capable of client-facing interactions and operational excellence. 

Team Development 

• Recruit, train, and manage a high-performing operations team. 

• Foster a culture of accountability, urgency, and continuous improvement. 

• Identify and develop future leaders within the operations function.