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Manager Mortgage Credit Jobs (NOW HIRING)

FIRST MERCHANTS

Manager, Mortgage Sales

Columbus, OH

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 ...

VyStar Credit Union

Senior Mortgage Underwriter

Suwanee, GA · On-site

$108K/yr

Senior Mortgage Underwriter ACCOUNTABILITY STATEMENT The Senior Mortgage Underwriter is responsible ... Analyze loan files to determine credit worthiness of borrower. * Prioritize and manage files among ...

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Manager Mortgage Credit information

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$62.5K

$94K

$202.5K

How much do manager mortgage credit jobs pay per year?

As of Aug 8, 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 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.

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.
More about Manager Mortgage Credit jobs
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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 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $94,039 per year, or $45.2 per hour.

Mortgage Credit Analyst ( Warwick, RI)

Lendsure Mortgage Corp

Warwick, RI • On-site

$55K - $68K/yr

Full-time

Posted 17 days ago

Job description

Credit Analyst
Annual Salary Range $55k - $68k , Base salary plus bonus.
LendSure Mortgage Corp is looking for a Credit Analyst to work out of our Warwick RI Office. This job is 100% on site.
LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success.
LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company.
Position Summary:
The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers.
Duties include:
  • Review and analyze documentation provided on each loan for pre-qualification, ensuring meets LendSure guidance.
  • Prep and submit files for initial disclosures
  • Review documentation, prep, and submit files for initial Underwriting approval.
  • Ability to review and complete complex tax return analysis.
  • Ability to perform duties under minimal supervision and actively engage with the supervisor to resolve complicated issues
  • Ability to review and clear high-level conditions within the authority.
  • Ability to communicate effectively in both verbal and written form
  • Must be a detail-oriented team player able to work constructively with fellow employees.
  • partnering with underwriting team, doc and funding department, Quality Control and Senior Management
  • Strong time management skills to plan and organize a high daily loan volume
  • Understanding of Account Manager role and provide support as needed.

Qualifications:
  • 2 years underwriting experience, Non-QM preferred.
  • 3 years processing experience preferred.
  • Rendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker.
  • Strong knowledge of underwriting terminology.
  • Strong attention to detail and accuracy.
  • Strong written and verbal communication skills with the ability to talk with brokers and Loan Officers.
  • In-depth knowledge of the real estate industry and current trends.
  • Understanding how to read guidelines.
  • Working knowledge of Encompass Loan Origination System preferred

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

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