Warehouse Lending Credit Officer

The National Warehouse Lending (NWL) Credit Officer executes credit risk management strategies for the National Warehouse Lending division, ensuring strong credit quality, sound deal structures, effective ongoing monitoring, and adherence to bank credit policies. This role provides strategic oversight of credit and risk operations, manages credit/risk staff, and partners closely with Warehouse Lending leadership to support profitable, well-structured client relationships. The NWL Credit Officer serves as the division’s key risk steward, promoting disciplined credit standards, proactive portfolio monitoring, strong portfolio performance, and consistent application of risk policies across all warehouse lending clients.

Responsibilities

• Executes and upholds the bank’s credit policies within the National Warehouse Lending division, ensuring consistent application of credit standards across all lending relationships.
• Evaluates the financial condition, performance, and qualitative attributes of mortgage originators and investors to determine creditworthiness, sustainability, and long‑term relationship viability.
• Reviews and provides departmental approval of all credit packages completed by the credit team before releasing them for approval to the appropriate designated signing authority.
• Partners with Warehouse Lending sales, operations, and senior leadership to support strategic growth while maintaining strong credit discipline.
• Cultivates a network of industry, client, and internal relationships to monitor market dynamics, anticipate regulatory changes, and gather insights that support informed assessments of borrower character, capacity, and conditions.
• Develops, analyzes, and delivers reports to the Warehouse Oversight Committee, Board of Directors, and senior leadership, providing meaningful insights into credit quality, portfolio trends, and risk indicators.
• Supports departmental risk mitigation efforts by providing guidance to team members including, but not limited to, quality control, settlement agent and counterparty due diligence.
• Oversees portfolio health through proactive credit monitoring, covenant compliance, borrowing base monitoring, collateral controls, warehouse line usage, and exposure management.
• Identifies emerging risks, trends, or deterioration in client performance and recommend action plans, adjustments, or exit strategies, ensuring the upline credit management is promptly informed of any material concerns.
• Ensures compliance with general regulatory, credit, and operational standards, including collateral controls and security requirements unique to warehouse lending.
• Contributes to policy refinement, workflow optimization, and process modernization to improve efficiency and risk oversight.
• Directly manages departmental credit and risk staff, providing leadership, coaching, and development to maintain high‑performing teams.
• Other duties as assigned.

Qualifications

• Bachelor’s degree in Business or related field required. Accounting or Finance degree strongly preferred.
• 5 or more years’ experience in mortgage warehouse lending credit, risk or lending with demonstrated warehouse lending credit knowledge; previous management or mortgage warehouse lending sales experience a plus.
• Demonstrated knowledge of mortgage warehouse lending as well as mortgage banking operations for originators typical of the bank’s portfolio.
• Ability to interface effectively and professionally with senior/executive level management.
• Proficient in the communication of technical information both verbally and in writing to both technical and non‑technical audiences.
• Ability to travel in order to develop and maintain customer base and attend training/development sessions.
• Must have excellent judgement and decision‑making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational and problem‑solving skills with the ability to multi‑task and work in a deadline‑driven environment.
• Must be self‑motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried‑and‑true relationship‑based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.

To learn more, please visit us online at plainscapital.com/about.