Head of Credit - Real Estate
Position Overview:
We are seeking a strategic and experienced Head of Credit to lead and manage the credit function for our residential real estate lending platform. This role will focus on DSCR and Residential Transitional Loans (RTL), overseeing credit policy, underwriting standards, risk management, and portfolio performance. The ideal candidate will bring deep expertise in residential investment property lending and a strong understanding of the private lending landscape.
Key Responsibilities:
Leadership & Strategy
- Develop and implement credit policies and risk frameworks for DSCR and RTL loan products.
- Lead and mentor the credit and underwriting team, fostering a culture of accountability and excellence.
- Collaborate with executive leadership on strategic initiatives and portfolio growth.
Credit Oversight
- Oversee the underwriting and credit approval process for residential investment loans.
- Ensure compliance with internal credit standards and regulatory requirements.
- Monitor loan performance and proactively manage credit risk across the portfolio.
Risk Management
- Analyze market trends, borrower behavior, and property performance to inform credit decisions.
- Identify and mitigate emerging risks in the residential lending space.
- Maintain strong controls and reporting mechanisms to ensure portfolio health.
Stakeholder Collaboration
- Work closely with originations, capital markets, servicing, and legal teams to ensure seamless loan execution.
- Serve as a key point of contact for investors and partners on credit-related matters.
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