• Own and maintain the Company’s credit policies, procedures and underwriting guides based on regulatory requirements, industry best practice, credit trends, market conditions and appetite and internal risk assessments. Periodically review and reevaluate the adequacy and effectiveness of established credit policies, procedures and underwriting guides updating and recommending changes as necessary • Develop and implement enhancements to the underwriting guidelines and processes to maintain appropriate loan quality and mitigate credit risks while supporting business growth • Review all product offerings from a credit risk standpoint, collaborating with peers to approve new offerings and ensuring the appropriate frameworks and underwriting guidelines are in place to support the new offerings • Monitor loan performance and identify trends, making recommendations for adjustments to credit policy, underwriting guidelines and/or risk mitigation strategies when necessary. Report on credit trends and loan performance • Design, implement, and continuously improve loan portfolio analytics and dashboard reporting to provide actionable insights to leadership with an eye to prevention and continuous monitoring of our credit policies, their effectiveness and their delivery on expected outcomes. Utilize the analytics to proactively identify risks and opportunities within the portfolio and support data-driven management guidance and decisions. • Collaborate with senior leaders and departments to ensure credit decisions align with business goals and risk management strategies • Foster a culture of credit risk awareness, collaboration, and continuous refinement across collaborators • Maintain up to date knowledge and awareness of federal, state, and local regulations affecting the residential lending industry, ensuring that all credit activities are compliant. • Support legal, compliance, and audit peers to prepare for and address regulatory exams and audits as it relates to credit policy.