Full Job Description
As an Originations Risk Lead Credit Officer within the Home Lending Credit Risk team, you will evaluate and identify risks during ongoing surveillance of Agency (Fannie Mae and Freddie Mac) initiatives as well as other investor and insurer guideline changes. You will operate in a dynamic and fast-paced environment, upholding risk governance through policy updates, stakeholder approval, and controlled implementation. You will be part of a highly collaborative team that prioritizes researching, learning, professional development, inclusivity, and mentorship.
Job Responsibilities:
• Represent Risk in various capacities with all business stakeholders while ensuring core Risk principles are clearly conveyed and enforced
• Monitor trends of both Originations and Portfolio Performance metrics and Quality Review/Audit findings to allow for development of actions that proactively (or in some cases, reactively) mitigate risk
• Research, develop, and implement Home Lending guidelines
• Utilize adept risk analysis to review proposed and recent investor guideline changes which leads to researching, developing, and recommending Guideline actions that may act as overlays to insurer guidance
• Perform in a leading role for the Agency Working Group meeting process
• Present frequently to senior management and Risk Committee audiences
• Support detailed drafting, editing and communication needs for Originations Risk
• Maintain a comprehensive understanding of processes and systems for both Consumer and Correspondent Originations, tailoring risk oversight to each channel
• Use approved internal AI/automation tools to accelerate surveillance, impact analysis, drafting, and test case creation while maintaining documentation and controls
• Support audit and exam readiness, proactively address findings, and close action plans on time
• Review individual loan transactions to find and illustrate trends that should be escalated for (potential) action
Required qualifications, capabilities, and skills:
• Minimum of 10 years of current and relevant mortgage lending experience
• Strong verbal, written, and presentation skills required; must be able to communicate with impact and build rapport with diverse audiences and levels of management.
• Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
• Comfort with data monitoring: trend analysis, QC/audit findings, early performance indicators
• Ability to think through situations to reach timely, high quality and actionable decisions
• Proficiency in Microsoft Teams, Outlook, Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems
Preferred qualifications, capabilities, and skills:
• Focus in Policy mortgage lending experience preferred
• Experience with digital underwriting, automation, and AI tools
• Data mining skills to obtain and interpret ad-hoc loan transaction populations
• Subject matter expert for current Chase product offerings
