Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Jean Stein

Indian Trail,NC

Summary

Experienced and results-driven Mortgage Credit Policy Manager with over 30 years in the mortgage industry. Expertise in credit risk management, policy development, regulatory compliance, and strategic leadership. Proven track record of designing, implementing, and maintaining mortgage credit policies that mitigate risk and ensure operational efficiency. Adept at collaborating with cross-functional teams to ensure optimal loan underwriting standards, regulatory adherence, and exceptional borrower experiences.

Overview

15
15
years of professional experience

Work History

Credit Policy Manager

Bank Of America, N.A.
07.2016 - Current
  • Leads the development, implementation, and ongoing evaluation of conforming mortgage credit policies to ensure alignment with business goals, investor requirements and regulatory standards.
  • Analyzes investor changes, emerging industry trends, performance metrics to determine impact on current policy standards
  • Responsible for engagement and communication with investors and mortgage insurance companies
  • Manages complex projects from inception to completion, ensuring timely delivery of high-quality results
  • Collaborates with legal, risk management, underwriting and compliance teams to create guidelines for loan origination, credit risk assessment, and portfolio management.
  • Provides expert guidance on complex credit scenarios and policy interpretation.

Credit Program Officer III

Bank Of America
04.2010 - 07.2016
  • Formulated policies in response to business needs while ensuring adherence to risk framework
  • Negotiated terms of business with Freddie Mac and Fannie Mae and conducted annual variance reviews to ensure compliance
  • Partnered with risk, compliance and legal partners to obtain approval of proposed credit changes
  • Acted as a credit policy expert for questions and projects
  • Managed junior credit policy officers

Education

Bachelor of Science - Accounting / Business Administration

Elmira College
Elmira, NY

Skills

  • Problem-solving
  • Attention to detail
  • Excellent communication
  • Critical thinking
  • Policy development
  • Decision-making
  • Adaptability and flexibility
  • Risk assessment

Accomplishments

    2021 Valiant Award Recipient

    Enterprise Credit Award of Excellence Recipient

Timeline

Credit Policy Manager

Bank Of America, N.A.
07.2016 - Current

Credit Program Officer III

Bank Of America
04.2010 - 07.2016

Bachelor of Science - Accounting / Business Administration

Elmira College

Similar Profiles

CREATE PROFILE
Jean Stein