SVP, Credit Risk

Join the company defining what it means to be an Impact Lender!

Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending – a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender.

At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit.

RESPONSIBILITIES

(Duties and responsibilities may include, but are not limited to the following):

• Works with Operations and the Risk Organization on changes in approval rules and credit authorities to enhance efficiency, clarity, and oversight.
• Develops Credit Policy/Underwriting Guidelines to be utilized by the organization that is not only compliant with the agency standards but within the organizational risk tolerance.
• Being a policy Subject Matter Expert available to answer questions on approval and other rules governed by Credit Policy
• Approves credit risk management decisions.
• Continuously reviews credit processes and make recommendations for enhancement.
• Ensures the Credit team and Quality Control teams provide appropriate and responsive service to internal partners.
• Clearly and continually communicates credit policies and procedures in a manner understandable to the organization.
• Works independently and delivers high quality work products.
• Collaborates with internal and external partners to achieve strategic objectives for the organization
• Evaluates production operations from a strategic level to ensure that products meet quality, integrity, functionality, and other specifications and requirements.
• Collaborates with management and senior staff across production departments and roles to draft acceptable quality standards.
• Develops and implements quality standard testing and evaluation processes.
• Reviews quality control documentation such as checklists, logs, and reports for effectiveness, accuracy, and relevance.
• Conducts random inspections and quality control checks.
• Reports status of quality control and operations to executive leadership monthly and, when required, regulatory agencies.

QUALIFICATIONS

(To perform the job successfully, the candidate should demonstrate the following competencies to perform the essential functions of this job.)

• 10 years plus experience in the mortgage industry with experience in underwriting and origination
• 5 years of risk experience within the mortgage industry
• Excellent verbal and written communication skills with the ability to train staff.
• Thorough understanding of quality control standards and methodologies.
• Thorough understanding of manufacturing and production in the industry.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills.
• Strong supervisory and leadership skills.
• Proficient with Microsoft Office Suite or related software.
• Aptitude to utilize major mainframe operating systems and Microsoft Excel, PowerPoint, Word and Access
• Resolve or facilitate resolution of escalated issues.
• Bachelor’s degree in finance, Banking, Risk, and/or Business Administrations

This job will require you to report to our headquarters in Indian Land, SC 5 days a week.

The expected salary range for this position is between:

The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law.

We also offer a benefits package that includes:

• Competitive pay

• Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE

• Retirement plan: 401(k) and Roth

• Paid Time Off: 16 days front loaded. Prorated based on the start date month

• 11.5 paid holidays per year

• Employee assistance program

• Excellent career growth opportunity

• Fun, team-focused working environment

• Employee driven community outreach program

• Relocation packages available

The application window is anticipated to close on:

We’re definitely not your average mortgage company. When you’re ready to grow your career AND your impact, we’re ready for you. We’re also one of the nation’s top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at www.movement.com.