• Job Description

  Req#: 7428
  Overview
  
  
  The Vice President of Credit Policy is a key leader within the Risk department, responsible for shaping and managing credit policies for community lending, with a primary focus on Housing Finance Agencies. Reporting to the Chief Risk Officer, this role provides strategic direction, expert analysis, and oversight to ensure optimized credit policies that align with business objectives and risk management standards. The incumbent is responsible for leading the team accountable for developing, managing, and communicating the mortgage credit policy for community lending, including optimizing current credit policy, performing competitor analysis, supporting Housing Finance Agency implementations, and representing the credit policy function to existing community lending customers.
  This position is fully remote; however, for those who live near one of our offices in Horsham, PA; Coral Gables, FL; or Charlotte, NC, you have the option to work a hybrid schedule with just three days in the office. This position offers a competitive salary of $130,000–$140,000, an annual bonus, benefits starting on day one, and a company-matched 401(k) plan.
  
  Responsibilities
  
  
  • Interpret and update product materials for the community lending channel, incorporating announcements from Fannie Mae, Freddie Mac, FHA, VA, and GNMA.
  • Deliver clear, professional communication of credit policy requirements to enhance transparency and brand awareness.
  • Conduct data-driven analysis to assess credit trends, identify emerging risks, and make policy recommendations.
  • Leverage a governance framework to assess all product changes from a credit, operational risk, and competitive impact perspective, ensuring decisions are well-documented.
  • Develop competitive analysis materials to compare the firm’s credit policy with competitors, identifying opportunities and potential adverse selection in community lending.
  • Analyze credit policies to provide informed recommendations for optimizing underwriting standards and operational efficiency while balancing risk.
  • Lead the development of risk assessment models and decision frameworks ensuring alignment with risk appetite and regulatory requirements.
  • Utilize portfolio trends to propose policy and guideline adjustments that drive optimal results.
  • Conduct key business case analyses for new product offerings and expansion of current products utilizing market opportunity, default data, investor guidelines, pricing intelligence and competitor analysis to drive a robust credit strategy.
  • Review business line procedures and provide risk feedback to ensure procedures include appropriate controls and monitoring of controls.
  • Participate in projects related to product and credit strategy implementation.
  • Prepare and deliver monthly reports on credit policy activities to key stakeholders.
  • Lead, mentor, and develop staff, including administering performance reviews and professional development plans.
  • Serve as a risk leader for agency operational reviews and assist in the development of remediation strategies as needed.
  
  Qualifications
  
  
  • Bachelor’s degree in business management, Finance, Accounting or related field.
  • Minimum 10 years’ mortgage industry experience; minimum 8 years’ experience in Credit Policy, Risk Management, Capital Markets or Underwriting.
  • Deep expertise in agency credit policy requirements and underwriting guidelines (FNMA, FHLMC, VA, USDA and FHA).
  • Strong analytical skills to understand the drivers of credit performance based on product and/or policy changes.
  • Extensive knowledge of mortgage lending with an understanding in capital markets, originations and investor products.
  • Proven ability to analyze revenue, cost and profitability for mortgages.
  • Excellent written and verbal communication skills, with the ability to influence stakeholders at all levels
  • Advance proficiency in Excel, PowerPoint and data analysis.
  • Strong interpersonal skills with the ability to build and maintain internal and external business relationships.
  • Ability to develop deep business process knowledge and stay current with industry and regulatory changes.
  • Self-directed with strong decision-making capabilities.
  • Exceptional problem-solving skills and sound judgement in complex decision making.
  Lakeview is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.
  #LI-Remote
  
  
  • Bachelor’s degree in business management, Finance, Accounting or related field.
  • Minimum 10 years’ mortgage industry experience; minimum 8 years’ experience in Credit Policy, Risk Management, Capital Markets or Underwriting.
  • Deep expertise in agency credit policy requirements and underwriting guidelines (FNMA, FHLMC, VA, USDA and FHA).
  • Strong analytical skills to understand the drivers of credit performance based on product and/or policy changes.
  • Extensive knowledge of mortgage lending with an understanding in capital markets, originations and investor products.
  • Proven ability to analyze revenue, cost and profitability for mortgages.
  • Excellent written and verbal communication skills, with the ability to influence stakeholders at all levels
  • Advance proficiency in Excel, PowerPoint and data analysis.
  • Strong interpersonal skills with the ability to build and maintain internal and external business relationships.
  • Ability to develop deep business process knowledge and stay current with industry and regulatory changes.
  • Self-directed with strong decision-making capabilities.
  • Exceptional problem-solving skills and sound judgement in complex decision making.
  Lakeview is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.
  #LI-Remote
  
  
  • Interpret and update product materials for the community lending channel, incorporating announcements from Fannie Mae, Freddie Mac, FHA, VA, and GNMA.
  • Deliver clear, professional communication of credit policy requirements to enhance transparency and brand awareness.
  • Conduct data-driven analysis to assess credit trends, identify emerging risks, and make policy recommendations.
  • Leverage a governance framework to assess all product changes from a credit, operational risk, and competitive impact perspective, ensuring decisions are well-documented.
  • Develop competitive analysis materials to compare the firm’s credit policy with competitors, identifying opportunities and potential adverse selection in community lending.
  • Analyze credit policies to provide informed recommendations for optimizing underwriting standards and operational efficiency while balancing risk.
  • Lead the development of risk assessment models and decision frameworks ensuring alignment with risk appetite and regulatory requirements.
  • Utilize portfolio trends to propose policy and guideline adjustments that drive optimal results.
  • Conduct key business case analyses for new product offerings and expansion of current products utilizing market opportunity, default data, investor guidelines, pricing intelligence and competitor analysis to drive a robust credit strategy.
  • Review business line procedures and provide risk feedback to ensure procedures include appropriate controls and monitoring of controls.
  • Participate in projects related to product and credit strategy implementation.
  • Prepare and deliver monthly reports on credit policy activities to key stakeholders.
  • Lead, mentor, and develop staff, including administering performance reviews and professional development plans.
  • Serve as a risk leader for agency operational reviews and assist in the development of remediation strategies as needed.

• About the company

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