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Chief Credit Officer
Location
United States
Posted
93 days ago
Salary
$210K - $263K / year
Seniority
Lead
Job Description
Chief Credit Officer
Figure
• Lead an organization of credit professionals directly accountable for managing risk across a diverse lending portfolio, including Home Equity products. • Set enterprise-wide credit risk strategy across originations, pricing, portfolio management, and collections to drive the best outcomes for the lender and investor. • Chair the Credit Committee and engage directly with the CEO and Board of Directors on all credit-related matters. • Develop and iterate on proprietary loan products, leading risk analysis and consumer iterations to find perfect product/market fit. • Drive automation efforts to compress the funnel from application to final approval, utilizing technology to remove legacy industry inefficiencies. • Act as the primary liaison to regulatory bodies such as the OCC, FRB, and FDIC, ensuring all credit risk matters align with evolving supervisory expectations. • Oversee loss forecasting, financial modeling, and stress testing (CCAR) methodologies to provide senior management with thoughtful analysis of key credit drivers. • Build and manage relationships with investors, managing pricing, hedging, and warehouse functions.
Job Requirements
- 15–20+ years of experience in credit risk management and portfolio oversight.
- Extensive background in Mortgage and Home Equity credit risk, including LTV/CLTV management and valuation models.
- Proven success working outside of a "Big Bank" environment for a portion of your career, thriving in agile, high-growth, or startup settings.
- Demonstrated ability to develop a systematic secondary marketing group and manage primary/secondary market inefficiencies.
- Advanced understanding of loss forecasting and the conceptualization of investment logic to automate credit decisioning.
- Proven track record of managing remediation efforts and maintaining strong relationships with federal regulatory agencies.
- Adhere to all company security policies and data handling procedures.
- Complete mandatory security awareness training within required timeframes.
- Promptly report any suspected security incidents or suspicious activity to the Security team.
Benefits
- Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
- Company HSA, FSA, Dependent Care, 401k, and commuter benefits
- Employer-funded life and disability insurance coverage
- 11 Observed Holidays & PTO plan
- Up to 12 weeks paid family leave
- Continuing education reimbursement
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