“Indecomm is an Equal Employment Opportunity Employer”
Position Description
Indecomm is seeking an experienced professional to join our Originations Credit Policy team as the Vice President, GSE Originations Credit Policy Manager. This role is responsible for the daily oversight and management of our GSE product credit policy and its associated change management and quality control program.
As a subject matter expert in GSE lending, you will be responsible for monitoring changes from Fannie Mae and Freddie Mac. This position involves interacting with all product channels, analyzing relevant data, and recommending credit policy changes. Your work will be essential in ensuring our program guidelines, underwriting standards, and internal procedures are kept up-to-date, compliant with investor and internal requirements, and are consistent with our credit risk tolerance.
If you are a driven professional ready to manage a critical business function, confidently discuss policy, and collaborate effectively with various teams, this is an excellent opportunity to apply your expertise and grow with our team.
Core Responsibilities
- Oversee and administrate the GSE product Credit Risk Originations Change Management process
- Monitor publications from Fannie Mae and Freddie Mac for guideline/requirement changes and determine the impact to Indecomm
- Gather, investigate, review additional information, and conduct research as necessary to ensure compliance with investor requirements
- Recommend credit policy changes based on investor updates, QC defect rate trends, investor exam findings, emerging delinquency trends, or other relevant data
- Manage GSE product guidelines and Indecomm Underwriting Manual updates, draft internal and external announcements, and handle other artifacts related to the changes
- Coordinate the distribution and publication (internal and external) of applicable changes
- Update Indecomm Credit Risk Management policies and procedures and Quality Control scope of review; review business unit policies and procedures and provide suggested changes if needed
- Consult and confer with senior leadership within Credit Policy and effectively implement resulting direction and feedback
- Introduce GSE product credit policy changes to production staff, and be capable of interpreting, debating, and defending policy positions with professionalism and resilience
- Act as back-up to the Government-insured and Non-Agency Credit Policy Managers, which includes but is not limited to the aforementioned responsibilities
- Complete other Credit Policy functions as required
- Demonstrate behaviors aligned with the organization’s desired culture and values
Core Qualifications
- Excellent working knowledge of Fannie Mae and Freddie Mac guidelines and how to apply them in a credit risk environment
- Excellent working knowledge of DU and LPA, and manual underwriting requirements
- Excellent working knowledge of GSE applications such as DU Validation Service, AIM, CPM, CPA, CU, L experience
- Excellent working knowledge of GSE applications such as DU Validation Service, AIM, CPM, CPA, CU, LCA, Value Acceptance, ACE, and income calculators
- Good understanding of delegated correspondent, non-delegated correspondent, wholesale, and retail production channels
- Good working knowledge of government-insured programs and TOTAL and VA AUS engines
- Bachelor’s degree or equivalent mortgage industry experience
- Must be highly proficient in Microsoft Office and Google Applications
- Excellent written, verbal, and interpersonal communication skills are required across all modalities (in-person, video conference, email, and chat)
Preferred Skills
- Experience with and curiosity for utilizing generative AI to enhance work efficiency, thoroughness, and accuracy.
- Previous project management experience is a plus.
- Technical writing experience is highly desired.
The Ideal Candidate
- A Driven Professional: You are driven to continuously improve, be the very best at what you do, and continuously and independently seek new and better methods, tools, applications, and technology to perform functional duties.
- An Organizational Master: You possess excellent organizational and time management skills and an ability to manage multiple projects and interact successfully with various functional departments and personnel at all levels.
- A Collaborator: You excel at establishing strong and collaborative working relationships
with colleagues at all levels throughout the organization. - A Resilient Professional: You can comfortably navigate complex debates and challenges, receiving and providing professional feedback constructively. You remain composed and focused under pressure.
- A Coachable & Aligned Partner: You are receptive to guidance and direction from senior leadership, demonstrating an ability to align with strategic goals and adapt based on feedback.
- A Forward-Thinker: You must be open to experimenting and innovating with AI to improve efficiency, accuracy, and comprehensiveness of job-related duties.
