Talent.com
Senior Credit Oversight Manager

Senior Credit Oversight Manager

EarnestHarrisburg, PA, US
7 days ago
Job type
  • Full-time
Job description

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including :

  • Private student loans - low rates, people-first service, and flexible payments.
  • Student loan refinancing - break free from high-interest rates or monthly payments.
  • Scholarships - access to thousands of scholarships to help students pay less.

Earnies are committed to helping students live their best lives, free from the stress of student debt. If youre as passionate as we are about our mission, read more below, and lets build something great together!

The Senior Credit Oversight Manager will report to the Head of Credit Risk.

As the Senior Credit Oversight Manager, you will :

  • Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the companys risk appetite.
  • Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
  • Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
  • Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
  • Independently validate models to ensure they are conceptually sound and perform as intended.
  • Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
  • Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
  • Present results with insights on trends and drivers.
  • Communicate forecast results, insights, and recommendations to leadership and business partners.
  • Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
  • About You :

  • 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
  • 5+ years of experience in SQL and / or Python programming for data analysis and model development
  • Strong business acumen in lending products and sophisticated risk data analysis
  • In-depth understanding of model risk governance frameworks
  • A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
  • Excellent communication and presentation skills
  • Knowledge of applicable laws and regulations governing the lending industry
  • Experience in Business Intelligence / Reporting tools such as Looker or Tableau
  • Even Better :

  • Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
  • Expertise in statistical models
  • Expertise in Excel and Google Slides
  • Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
  • Ability to prioritize and multitask on various projects
  • Ability to methodically execute complex analytical processes accurately and efficiently
  • Intellectual curiosity, critical thinking, and problem-solving skills
  • Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
  • Strong ownership and ability to collaborate well with business partners
  • Where :

  • This role will be based in the United States.
  • #LI-KB1

    A little about our pay philosophy : We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidates starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

    Pay Range

    $180,000 — $215,000 USD

    Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including :

  • Health, Dental, & Vision benefits plus savings plans
  • Mac computers + work-from-home stipend to set up your home office
  • Monthly internet and phone reimbursement
  • Employee Stock Purchase Plan
  • Restricted Stock Units (RSUs)
  • 401(k) plan to help you save for retirement plus a company match
  • Robust tuition reimbursement program
  • $1,000 travel perk on each Earnie-versary to anywhere in the world
  • Competitive days of annual PTO
  • Competitive parental leave
  • What Makes an Earnie :

    At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other :

  • Every Second Counts : Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
  • Choose To Do Hard Things : We win by tackling the hard things that others avoid, fueled by grit and resilience.
  • Pursue Excellence : Great companies, teams, and individuals never settle and are proud of the work that they do. Whats good enough today wont be good enough tomorrow. Excellence isnt a destination; its a mindset of continuous improvement.
  • Lead Together : Our success comes from how we work together. Leadership is not about titlesit is about action. We take ownership, drive results, and move forward as a team.
  • Dont Take Yourself Too Seriously : We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.
  • At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

    Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

    Create a job alert for this search

    Credit Manager • Harrisburg, PA, US

    Related jobs
    • Promoted
    Senior Credit Workout Officer IV

    Senior Credit Workout Officer IV

    Northwest BankMount Joy, PA, United States
    Full-time
    The Senior Credit Workout Officer IV is responsible for a variety of duties including (i) meeting with borrowers, and (ii) evaluating management teams and business plans to determine whether or not...Show moreLast updated: 29 days ago
    • Promoted
    Commercial Credit Underwriting Portfolio Manager 2

    Commercial Credit Underwriting Portfolio Manager 2

    First National Bank of PennsylvaniaHarrisburg, PA, United States
    Full-time
    Make a difference - for us and for your future.Commercial Credit Underwriting Portfolio Manager 2.Commercial Credit Underwriting Portfolio Manager Team Leader. Responsible for managing a designated ...Show moreLast updated: 30+ days ago
    • Promoted
    Equipment Finance Portfolio Manager (remote or onsite)

    Equipment Finance Portfolio Manager (remote or onsite)

    Northwest BankMount Joy, PA, United States
    Remote
    Temporary
    The Equipment Finance Portfolio Manager is responsible for the ongoing monitoring process for the Bank's Commercial loans associated with the Equipment Finance vertical, to ensure timely and accura...Show moreLast updated: 30+ days ago
    • Promoted
    Financial Center Assistant Manager

    Financial Center Assistant Manager

    Northwest BankHershey, PA, United States
    Full-time
    As a Financial Center Assistant Manager, you will be responsible for assisting the Financial Center Manager in overseeing daily operations, managing staff, and ensuring exceptional customer experie...Show moreLast updated: 26 days ago
    • Promoted
    C&I Portfolio Manager

    C&I Portfolio Manager

    Northwest BankMount Joy, PA, United States
    Temporary
    The Commercial Portfolio Manager is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate risk ratings and compliance with credit policy, loan...Show moreLast updated: 21 days ago
    • Promoted
    Deposit Operations Representative I

    Deposit Operations Representative I

    Pennian BankMifflintown, PA, US
    Full-time
    Responsible for performing a variety of duties to support the deposit operations and electronic banking functions; coordinating work within the unit or department, as well as with other departments...Show moreLast updated: 20 days ago
    • Promoted
    Financial Center Banker / Licensed Relationship Manager in Development

    Financial Center Banker / Licensed Relationship Manager in Development

    Northwest BankColumbia, PA, United States
    Full-time
    Licensed or Non-Licensed individuals will be considered.Must be open to obtaining the licensing.As part of the Branch Banking team, Financial Center Banker will have or acquire an in-depth knowledg...Show moreLast updated: 30+ days ago
    • Promoted
    CRE Portfolio Manager

    CRE Portfolio Manager

    Northwest BankMount Joy, PA, United States
    Temporary
    The CRE Portfolio Manager is responsible for the ongoing monitoring process for the Bank's CRE commercial loans to ensure timely and accurate risk ratings and compliance with credit policy, loan ag...Show moreLast updated: 30+ days ago
    • Promoted
    Financial Advisor

    Financial Advisor

    Edward JonesElizabethville, PA, US
    Full-time
    This job posting is anticipated to remain open for 30 days, from 08-Oct-2025.The posting may close early due to the volume of applicants. If you find yourself at a professional crossroads, a career ...Show moreLast updated: 8 days ago
    • Promoted
    Mortgage Loan Sales

    Mortgage Loan Sales

    First National Bank of PennsylvaniaYork, PA, United States
    Full-time
    Make a difference - for us and for your future.This position is primarily responsible for originating residential mortgage loans through internal and external referral sources.Responsible for build...Show moreLast updated: 30+ days ago
    • Promoted
    Commercial Lending Systems Manager

    Commercial Lending Systems Manager

    Northwest BankMount Joy, PA, United States
    Full-time
    The Commercial Lending Systems Manager is responsible for the development and supervision of the Commercial Lending Systems team members. This person will provide overall leadership to the departmen...Show moreLast updated: 30+ days ago
    • Promoted
    Teller Full-Time

    Teller Full-Time

    Northwest BankHershey, PA, United States
    Full-time
    Northwest Tellers are important members of our retail network team because they often have the most interaction with our customers. Northwest Tellers provide an excellent customer service experience...Show moreLast updated: 30+ days ago
    • Promoted
    OTR Driver - CDL-A Required - Medina, OH

    OTR Driver - CDL-A Required - Medina, OH

    Whiteline Express LtdAspers, PA, US
    Full-time
    Whiteline Express is hiring CDL-A OTR Truck Drivers in Medina, OH!.Earn between $1,300–$1,375 weekly based on experience, get a $2,000 sign-on bonus, and be home weekends.Drive newer equipmen...Show moreLast updated: 20 days ago
    • Promoted
    Delivery Driver - Earn Extra Cash

    Delivery Driver - Earn Extra Cash

    DoorDashMifflintown, PA, United States
    Full-time +1
    DoorDash is the #1 category leader in food delivery, food pickup, and convenience store delivery in the US, trusted by millions of customers every day. As a Dasher, you’ll stay busy with a variety o...Show moreLast updated: 12 days ago
    • Promoted
    Credit Workout Officer II

    Credit Workout Officer II

    Northwest BankMount Joy, PA, United States
    Full-time
    The Credit Workout Officer II is responsible for performing a variety of duties including meeting with borrowers, evaluating management teams, and business plans to determine whether to retain or e...Show moreLast updated: 21 days ago
    • Promoted
    Credit Review Audit Team Lead

    Credit Review Audit Team Lead

    Northwest BankMount Joy, PA, United States
    Full-time
    This position will work onsite Mon - Thurs with Friday as an optional work from home day.The Credit Review Audit Team Lead will be responsible for providing objective evaluations of the Bank's Cons...Show moreLast updated: 26 days ago
    • Promoted
    Restaurant Delivery - Be Your Own Boss

    Restaurant Delivery - Be Your Own Boss

    DoorDashCarlisle, PA, United States
    Full-time +1
    DoorDash is the #1 category leader in food delivery, food pickup, and convenience store delivery in the US, trusted by millions of customers every day. As a Dasher, you’ll stay busy with a variety o...Show moreLast updated: 9 days ago
    • Promoted
    Commercial Banking Relationship Manager

    Commercial Banking Relationship Manager

    Northwest BankYork, PA, United States
    Full-time
    The C & I Commercial Relationship Manager is responsible for serving as a trusted business advisor to clients and providing a full breadth of banking solutions to meeting their financial objectives...Show moreLast updated: 30+ days ago