Seller Credit Risk Manager

Credit Manager For Single-Family Seller Credit Risk Management

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it's at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose.

The Credit Manager for Single-Family Seller Credit Risk Management is tasked with identifying, evaluating, and managing credit risk at the Seller/Servicer level, ensuring alignment with Freddie Mac's Seller/Servicer Guide, risk appetite, and housing mission. This role collaborates with internal teams to monitor seller credit profiles, address inquiries, and resolve issues where practices diverge from Freddie Mac requirements.

The Single-Family Seller Credit Risk Management team is an integral part of ensuring the credit risk Freddie Mac takes on is appropriately monitored and managed at a Seller/Servicer level to support our mission of affordable housing and promotion of liquidity in a safe, sound, and responsible way.

Your Impact:

• Strategy: Develop a strong understanding of assigned Sellers, Credit Risk Management objectives, loan programs, and operating procedures. Deliver practical, risk-based solutions within established risk tolerances.
• Execution: Monitor Seller credit risk, focusing on delivery profile trends and loan performance. Identify emerging issues and recommend actions to sustain or improve credit quality.
• Relationship Management: Manage and strengthen internal and external relationships related to credit matters.
• Risk Management: Partner with business and risk stakeholders on credit risk assessments and policy applications.

Qualifications:

• Bachelor's Degree or equivalent with 8+ years in mortgage industry-related roles
• 5+ years in credit risk management or underwriting to include expertise in mortgage credit risk, underwriting and seller/servicer eligibility
• Strong command of GSE policy and Freddie Mac Seller/Servicer Guide requirements
• Analytical and data-driven approach to risk assessment, along with interest in utilizing AI tools for efficiency improvement
• Proven ability to build and manage relationships with sellers, servicers, and stakeholders utilizing strong written and oral communication skills

Keys to Success:

• Clear, Executive-Ready Communication: Convey complex credit issues clearly and concisely to senior leadership.
• Strong Governance, Controls, and Compliance Mindset: Ensure alignment with internal risk frameworks and regulatory expectations.
• Change Agility and Adaptability: Quickly adapt to evolving market conditions and emerging risks while maintaining sound risk management principles.

We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

A safe and secure environment is critical to Freddie Mac's business. This includes employee commitment to our acceptable use policy, applying a vigilance-first approach to work, supporting regulatory mandates, and using best practices to protect Freddie Mac from potential threats and risk. Employees exercise this responsibility by executing against policies and procedures and adhering to privacy & security obligations as required via training programs.

Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site.

This position has an annualized market-based salary range of $128,000 - $192,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.