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!

Recent Job Posts

Senior Mortgage Loan Consultant – Tustin California

Are you a proven Mortgage Loan Originator that is primed to take your book of business to the next level? On Q Financial is seeking seasoned mortgage experts to join our high-performing team. Apply Today!

View JobLearn about the position of Senior Mortgage Loan Consultant – Tustin California

Senior Mortgage Loan Consultant -Woodstock Georgia

Looking to expand your purchase volume and take your brand to the next level? On Q Financial is a five-star-rated national mortgage lender, seeking a Senior Mortgage Loan Consultant in Woodstock, Georgia.

View JobLearn about the position of Senior Mortgage Loan Consultant -Woodstock Georgia

Digital Marketing Manager

A Digital Marketing Manager plans, manages, and oversees all aspects of a digital marketing campaign to effectively promote brand products.

View JobLearn about the position of Digital Marketing Manager

Creative Director

As a member of the marketing team, the Creative Director will define the creative vision for On Q, including advertising campaigns, and marketing messages.

View JobLearn about the position of Creative Director

Database Engineer

The Database Engineer is responsible for managing the SQL Server databases On-Prem and Cloud through multiple product lifecycle environments.

View JobLearn about the position of Database Engineer

Corporate Project Manager

The Corporate Project Manager will work to gather, analyze, document, and schedule all department related projects and personnel.

View JobLearn about the position of Corporate Project Manager

Vice President – Infrastructure & Security

This role partners with technology and business stakeholders to help implement frameworks and operational standards to support the organization’s growth.

View JobLearn about the position of Vice President – Infrastructure & Security

Chief Information Officer

This dynamic leader needs to reduce cost while enhancing the client and employee experience. The CIO must be proactive, organized, with a roll up your sleeves attitude and a mindset that is ahead of the curve.

View JobLearn about the position of Chief Information Officer

Accounting Assistant

The Accounting Assistant works with the finance department to complete general accounting-related administrative functions, research, and communication.

View JobLearn about the position of Accounting Assistant

Regional Business Development Executive

In the Business Development Executive role, you’ll be responsible for growing the On Q Financial sales team, leading the pursuit of strategic industry partners, and expanding our presence in your region.

View JobLearn about the position of Regional Business Development Executive

Post Closer – Shipping/Trailing Documents

Applicants will be responsible for scanning, documenting, and tracking all trailing documents and deliver to the appropriate investor within the required timeframe.

View JobLearn about the position of Post Closer – Shipping/Trailing Documents

Mortgage Loan Processor

Responsible for the timely and accurate packaging of all loans originated by Mortgage Consultants, taking each file from pre-approval to closing.

View JobLearn about the position of Mortgage Loan Processor

Mortgage Loan Processor – Wholesale

Responsible for the timely and accurate packaging of all Third Party Originated loans (Wholesale, Joint Venture, and Non-Delegated), taking each file from pre-approval/approval to closing.

View JobLearn about the position of Mortgage Loan Processor – Wholesale


The role of Closer will be responsible for entering and updating LOS to monitor pipeline, keep accurate and timely; working with MCs/Processing.

View JobLearn about the position of Closer

Credit Manager

The Credit Manager is responsible for the administration of Underwriting, Closing Quality Control programs, and updating of guidelines or policies.

View JobLearn about the position of Credit Manager

Help Desk Technician

Applicants must possess excellent written and verbal communications skills, time management expertise, and the ability to adapt to a fast-paced environment.

View JobLearn about the position of Help Desk Technician

Loan Officer – Consumer Direct

The Mortgage Consultant – Consumer Direct provides outstanding customer service while overseeing the timely and accurate completion of loan documentation.

View JobLearn about the position of Loan Officer – Consumer Direct

Wholesale Underwriter

As a Wholesale Underwriter you’re responsible for examining loan documentation for accuracy and completeness while working to secure all required documents.

View JobLearn about the position of Wholesale Underwriter

Account Executive

This position delivers support to all correspondent and wholesale channel clients while increasing market share through new and existing partner relationships.

View JobLearn about the position of Account Executive

Compliance Specialist

We are looking for someone that is self-motivated, resourceful, and able to think critically to ensure that marketing materials are compliant.

View JobLearn about the position of Compliance Specialist