Senior Manager, Credit Risk
New
Z
ZippyLending, financial services
United States (Remote)Full-TimeManager
Salary not disclosed
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Job Details
- Experience
- 8 to 12+ years of experience
Requirements
- 8 to 12+ years of experience in credit risk, underwriting, or credit policy within a lending or financial services environment
- Experience working with multiple investor guidelines and overlays
- Demonstrated ability to write, interpret, and operationalize credit policy
- Strong credit judgment with ability to make decisions under ambiguity
- Ability to translate complex or unclear guidelines into clear, actionable rules
- Consistent and disciplined decision making across varying scenarios
- Strong written communication skills with ability to document policy and rationale clearly
- Practical, execution focused mindset with attention to operational detail
- Experience building or improving underwriting governance frameworks
- Manufactured housing, specialty finance, or partner-based lending experience strongly preferred
Responsibilities
- Own drafting, updating, and maintenance of underwriting guidelines and credit policy
- Translate investor guidelines and overlays into clear, actionable internal standards
- Maintain and enhance underwriting authority structures, including approval tiers and escalation paths
- Serve as the first point of contact for guideline questions and credit policy clarifications
- Develop and maintain guideline grids, investor overlay matrices, decision trees and reference materials
- Review defaulted loans and perform root cause analysis
- Maintain credit risk policies and procedures in alignment with approved practices
- Escalation of material, high risk, or novel scenarios to VP of Risk
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