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Manager Mortgage Credit Jobs (NOW HIRING)

Amerant Bank

NY · On-site

$85 - $120/hr

Experience with mortgage loan origination systems and credit risk management software.Familiarity ... with federal and state mortgage lending laws including RESPA, TILA, and ECOA. * Advanced Excel and ...

FIRST MERCHANTS

Manager, Mortgage Sales

Columbus, OH · On-site

First Merchants Bank is seeking a Manager, Mortgage Sales to join our team! This position will ... Decide when to recommend that a loan be charged-off with the cooperation of the Credit Collection ...

Local Community Bank

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Banking Credit Underwriter - Commercial/Mortgage

Shreveport, LA · On-site

Performs portfolio management responsibilities including: * Commercial credit analysis by reviewing ... Underwrite1-4 Family Residential mortgage loans including FHA, VA and Conventional * Assist credit ...

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$62.5K

$94K

$202.5K

How much do manager mortgage credit jobs pay per year?

As of Sep 4, 2026, the average yearly pay for manager mortgage credit in the United States is $94,039.00, according to ZipRecruiter salary data. Most workers in this role earn between $67,500.00 and $92,000.00 per year, depending on experience, location, and employer.

What does a manager mortgage credit do?

A Manager of Mortgage Credit oversees the evaluation and approval process for mortgage loan applications within a financial institution. They ensure that all credit policies and procedures are followed, assess applicants' creditworthiness, and manage a team of credit analysts or underwriters. Their responsibilities also include mitigating risk, maintaining compliance with regulations, and collaborating with other departments to improve lending processes. This role is crucial for balancing the institution's risk with the need to provide loans to qualified borrowers.

What are the key skills and qualifications needed to thrive as a manager mortgage credit?

To thrive as a Manager Mortgage Credit, you need strong analytical skills, deep knowledge of mortgage lending regulations, and experience in credit risk assessment, typically supported by a degree in finance or a related field. Familiarity with loan origination systems, credit scoring software, and regulatory compliance tools is essential. Excellent leadership, decision-making, and communication skills help manage teams and build relationships with clients and stakeholders. These competencies ensure sound credit decisions, regulatory compliance, and efficient team performance in a high-stakes financial environment.

What are the main challenges a manager mortgage credit typically faces, and how can they be addressed?

A Manager Mortgage Credit often encounters challenges such as balancing risk assessment with customer service, staying compliant with constantly changing regulations, and managing a team under tight deadlines. Effectively addressing these challenges requires strong analytical skills, up-to-date knowledge of mortgage lending policies, and proactive communication with both team members and other departments. Building a collaborative team environment and investing in ongoing training can help ensure consistent decision-making and reduce errors, ultimately supporting both organizational goals and customer satisfaction.

What is the difference between Manager Mortgage Credit vs Mortgage Underwriter?

AspectManager Mortgage CreditMortgage Underwriter
Primary RoleOversees mortgage credit approval processes, manages teams, and develops credit policies.Evaluates individual mortgage applications, assesses risk, and approves or denies loans based on guidelines.
Required CredentialsTypically requires a mortgage or finance-related certification, experience in credit analysis, and leadership skills.Requires mortgage underwriting certifications, knowledge of lending guidelines, and analytical skills.
Work EnvironmentOffice-based, managerial setting within banks, mortgage companies, or financial institutions.Office-based, focused on detailed review of loan documents and risk assessment.

The main difference is that a Manager Mortgage Credit oversees the credit approval process and manages teams, while a Mortgage Underwriter focuses on evaluating individual loan applications. Both roles require similar certifications and work in related environments, but their responsibilities differ in scope and focus.

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What cities are hiring for Manager Mortgage Credit jobs?

Cities with the most Manager Mortgage Credit job openings:

What states have the most Manager Mortgage Credit jobs?

States with the most job openings for Manager Mortgage Credit jobs include:

What job categories do people searching Manager Mortgage Credit jobs look for?

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Manager Mortgage Credit jobs near you
Infographic showing various Manager Mortgage Credit job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, 12% Part Time, and 1% Contract. Highlights an 87% Physical, 2% Hybrid, and 11% Remote job distribution, with an average salary of $94,039 per year, or $45.2 per hour.

Residential Mortgage Underwriter

Amerantbank

Plantation, FL • On-site

Full-time

Posted 22 days ago

Key responsibilities

  • Review and assess mortgage credit applications for completeness, accuracy, and compliance with regulatory and internal guidelines.

  • Coordinate with underwriting and risk management teams to evaluate creditworthiness and identify potential risks associated with mortgage lending.

  • Maintain and update mortgage credit files, ensuring all documentation is properly filed and accessible for audits and regulatory reviews.

Job description

About the Role:

This role plays a critical role in ensuring the integrity and compliance of mortgage credit processes within the organization. This position is responsible for overseeing the evaluation, approval, and monitoring of mortgage credit applications to mitigate risk and uphold regulatory standards. The officer will collaborate closely with, risk management, and compliance teams to maintain accurate documentation and adherence to internal policies and external regulations. By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to the organization's goal of providing responsible lending solutions while minimizing credit risk exposure.

Minimum Qualifications:

  • Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
  • Minimum of 3 years of experience in mortgage credit administration, underwriting, or a related financial services role.
  • Strong knowledge of mortgage lending regulations and compliance requirements in the United States.
  • Proficiency in credit analysis and financial statement review.
  • Excellent organizational skills with attention to detail and accuracy.

Preferred Qualifications:

  • Professional certification such as Certified Mortgage Banker (CMB) or similar credentials.
  • Experience with mortgage loan origination systems and credit risk management software.
  • Familiarity with federal and state mortgage lending laws including RESPA, TILA, and ECOA.
  • Advanced Excel and data analysis skills.
  • Prior experience working in a regulatory or audit environment.

Responsibilities:

  • Review and assess mortgage credit applications for completeness, accuracy, and compliance with regulatory and internal guidelines.
  • Coordinate with underwriting and risk management teams to evaluate creditworthiness and identify potential risks associated with mortgage lending.
  • Maintain and update mortgage credit files, ensuring all documentation is properly filed and accessible for audits and regulatory reviews.
  • Monitor ongoing mortgage credit portfolios to detect early signs of credit deterioration and recommend appropriate actions.
  • Prepare detailed reports on mortgage credit activities, trends, and compliance status for senior management and regulatory bodies.
  • Assist in the development and implementation of credit policies and procedures to enhance operational efficiency and risk mitigation.
  • Provide training and guidance to junior staff on mortgage credit administration best practices and regulatory requirements.

Skills:

This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant. Strong communication skills are essential for collaborating with internal teams and conveying complex credit information clearly to stakeholders. Organizational skills are critical for maintaining comprehensive and accurate credit files that support audit readiness and regulatory compliance. Proficiency with mortgage software and data analysis tools enables the officer to efficiently monitor credit portfolios and generate insightful reports. Additionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending.


This position is Florida based and hybrid/remote work eligible.