Senior Manager Credit Operations

The role

The Senior Manager Credit Operations will build and lead a specialized credit operations function for residential and commercial loans. This role oversees complex workflows, sets operating models, and partners with various departments to deliver credit judgment and scalable processes.

What you will do

• Set the strategy, operating model, priorities, and service standards for specialized credit operations.
• Lead day-to-day planning, prioritization, intake, and decision ownership for scenarios and exceptions.
• Establish KPIs, KRIs, reporting standards, and operating routines.
• Oversee jumbo, portfolio, and non-conforming residential transactions.
• Guide decisions involving HNW and UHNW borrowers.
• Lead small-balance CRE underwriting and portfolio management.
• Lead the specialized condo and co-op project review function.
• Create a feedback loop from scenario requests and exceptions into Credit Policy and Administration.
• Hire, coach, and develop a team of credit professionals.
• Lead responsible use of AI-enabled research and decision-support tools.

Required qualifications

• 12 or more years of experience in residential mortgage underwriting, commercial lending, commercial real estate credit, credit risk, portfolio management, or a related financial services discipline.
• At least 5 years of underwriting leadership or credit team management experience.
• Significant experience leading residential and commercial credit underwriting, portfolio management, credit administration, exceptions, scenario management, or a comparable specialized credit function
• Deep experience underwriting or overseeing jumbo and portfolio transactions.
• Experience evaluating HNW and UHNW borrowers and complex sources of repayment.
• Experience leading small-balance commercial real estate underwriting and portfolio management.
• Experience with condo and co-op project eligibility, non-warrantable projects, lender reviews, or portfolio project-risk assessment.
• Experience managing day-to-day operations, planning, prioritization, execution, resourcing, service levels, and capacity for a team or function.
• Experience modernizing credit policies, underwriting standards, operating procedures, reporting frameworks, controls, governance routines, or decision-support tools.
• Experience leading teams, developing talent, and managing individual contributors, specialized underwriters, analysts, portfolio managers, or other credit professionals.
• Familiarity with bank regulatory expectations, audit, loan review, fair-lending oversight, regulatory exams, credit loss forecasting, or enterprise risk management.

Nice to have

• preferably within a regulated bank or financial institution

Benefits

• comprehensive and competitive benefits

About the company

SoFi is a next-generation financial services company and national bank using innovative, mobile-first technology to help its members reach their goals.