Executive Credit Leader — DSCR & Non-QM Underwriting

theLender; Lake Forest (CA); On-site; USD 200,000 - 260,000; Full time

Job summary

theLender is a national non-QM lender. The Deputy Chief Credit Officer serves as second in command of the Credit Department, with full authority in the CCO's absence, driving policy, underwriting operations, valuations, and risk management across DSCR and alternate documentation programs.

This role reports to the Chief Credit Officer, leads three VP-led functions, chairs Credit Committee when needed, and ensures investor readiness and regulatory alignment while expanding government lending

Qualifications

• 12+ years mortgage credit experience with senior leadership.
• Deep expertise in DSCR, bank statements, and non-QM underwriting.
• Experience with investor due diligence, rating agency reviews, and securitization disclosure.
• Strong communication and policy development skills.

Responsibilities

• Adjudicate loan-level exceptions with documented rationale.
• Lead underwriting quality initiatives and conditional standardization.
• Oversee development of credit policy and product guidelines.
• Drive investor readiness and securitization support.

Skills

DSCR underwriting

Non-QM lending

Executive leadership

Regulatory knowledge

Investor due diligence

Job description

theLender is a national non-QM lender. The Deputy Chief Credit Officer serves as second in command of the Credit Department, with full authority in the CCO's absence, driving policy, underwriting operations, valuations, and risk management across DSCR and alternate documentation programs.

This role reports to the Chief Credit Officer, leads three VP-led functions, chairs Credit Committee when needed, and ensures investor readiness and regulatory alignment while expanding government lending