Credit Manager

Job Details

Job Location: Headquarters - Tempe, AZ
Position Type: Full-Time or Part-Time
Education Level: High School

About On Q

On Q Financial is a national organization with our headquarters located in Tempe Arizona. We are one of the TOP mortgage lenders in the U.S. Our motto is…MORTGAGES SIMPLIFIED. If you join our team, you'll be working with:
  • An innovative and collaborative culture.
  • High performing region & team.
  • Supportive and experienced management.
  • Transparent company leadership.


The Credit Manager is responsible for the review and administration of Underwriting and Closing Quality Control program, and updating of underwriting guidelines and policies including overseeing a team consisting of Post-Closing Underwriting, Closing and Prefund auditing. You will review and determine post-closing underwriting errors with tracking for quality purposes. You will also review and respond to investor suspense items, FHA/VA insuring issues, monthly QC audit and monthly review of errors with Underwriters and Underwriting Managers. In addition, you will coordinate with Secondary Marketing on non-salable loans to determine the most cost-effective approach, oversee and expedite internal refinances and be responsible for Pre-Fund QA reviews and tracking of trends.

  • Mentors and manages Prefund QA Underwriter, Closing QC Specialist and Post Closing QC Underwriting team!
  • Reviews Jumbo, FHA, VA, USDA and bond issues in all facets of risk review (Credit, Income, Collateral, etc.).
  • Evaluates potential overall risk in determining QC functions and reallocation to agency when dealing with investor issues.
  • Coordinates with various areas within On Q (Finance, Insuring, Servicing, etc.) to resolve issues with errors on loans.
  • Responds to monthly QC audit for both Closing and Underwriting findings, evaluate if errors have occurred in either area and track errors accordingly. Responds and disputes findings that are inaccurate.
  • Coordinates and monitors internal refinances.
  • Tracks and reports Underwriting errors based on Significance level.
  • Participates in special projects and miscellaneous assignments based on business needs.
  • Works closely with Operations and Training on identified trends.
  • Other duties as assigned.


Education & Experience

  • High school diploma or equivalent required; some college business coursework preferred.
  • Minimum 5-7 years as a Sr. Underwriter. DE and SAR required.
  • Strong knowledge of mortgage banking.

Knowledge, Skills and/or Abilities:

  • Working knowledge of servicing capabilities in Loan Originations System, including but not limited to loan set up, payment application and loan transfers.
  • Full understanding of various laws and regulations including Home Mortgage Disclosure Act, Real Estate Settlement Procedure Act, Truth in Lending, Fair Lending, FDCPA, FFDCPA, GLBA and escrow administration.
  • Ability to audit and analyze work outputs by interpreting government agency and department guidelines/standards.
  • Advanced analytical skills, ability to analyze problems and provide appropriate solutions.
  • Excellent customer service skills, both internally and externally.
  • Strong, professional communications skills, both verbal and written.
  • Excellent computer skills (Microsoft Word and Excel, Windows environment).
  • Ability to multi-task and have a sense of urgency in a fast-paced environment.
  • Must be a team player.

Benefits of Working at On Q

  • Competitive base salary.
  • Opportunity to work remotely.
  • 401(K) Plans & company match*.
  • Generous PTO & Observed Paid Holidays.
  • Employee Loan Program.
  • Comprehensive benefits package including: Medical, Dental & Vision.
  • Supplementary benefits: Voluntary Life, AD&D, LTD & STD.
  • Company-Sponsored Life, AD&D and LTD.
  • Wellness Program, Pet Insurance & Corporate Discount Program.
  • Diverse and inclusive atmosphere!

We live and breathe our core values: Support, Collaboration, Innovation, Fast-Paced & Pride! Our success over the past decade is largely due to our vision to hire the BEST people in the industry. Is that you? If so, JOIN OUR TEAM!

On Q Financial, Inc. is an Equal Opportunity Employer committed to excellence through diversity. We strongly encourage people of color, lesbian, gay, bisexual, transgender, non-binary, veterans & individuals with disabilities to apply. Diversity and inclusion are vital to fulfilling our Mission to simplify the mortgage process to make the dream of home ownership a reality—for everyone.

Our Multicultural platforms are disrupting the industry which is only made possible by our diverse, unique, and inclusive family. THE DREAM IS INCLUSIVE!

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