Vice President, Credit Risk

VP, Credit Risk

The VP, Credit Risk, is responsible for leadership and oversight of credit risk and credit policy that is associated with Spring EQ's lending activities. They will work closely with various team members to develop, communicate, and create action plans regarding Spring EQ's manufacturing quality and product development to ensure the creditworthiness of borrowers and the overall credit portfolio risk aligns with enterprise goals.

Responsibilities include :

• Providing leadership and direction related to the credit risk loan review process
• Collaborating between Credit Risk, Quality Control, and Post Closing to create consistent process and measurements of loan review results
• Effectively communicating results to senior management to identify trends from loan reviews, manage any appropriate action items, and measure improvements against action items
• Acting as an escalation point for complex credit analysis
• Organizing regular meetings with business channels to review manufacturing quality results
• Participating as a subject matter expert in product development
• Providing disposition of all single loan credit exceptions
• Collaborating with the Business Intelligence team to implement regular portfolio monitoring and reporting
• Directing & leading all internal Spring EQ resources reporting into this role
• Keeping up to date with changes in regulatory requirements, investor guidelines, and industry's best practices
• Participating in product development including Non-QM Subject matter expert
• Efficiently and effectively addressing any other assigned special projects or activities

Qualifications include :

Education and experience :

Accommodation is available to enable individuals with disabilities to perform essential job functions, as required by law.

We are committed to supporting a healthy work-life balance and fostering an environment of productivity and collaboration. This position follows a hybrid schedule for team members working in our corporate offices, combining on-site presence with remote flexibility. Our hybrid model is designed to promote teamwork and engagement while also providing the adaptability professionals need to manage their responsibilities effectively.

Benefits include :

Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact recruiting@springeq.com