Senior Credit Policy Analyst

Employee Applicant reputed company Notice Who we are: Shape a brighter financial reputed company with us. Together with our members, we’re changing the way people think about and reputed company with personal finance. We’re a reputed company financial services company and national bank using innovative, mobile-first technology to help our millions of members reputed company their goals. The industry is reputed company through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that reputed company do has a reputed company reputed company on people’s lives, with our core values guiding us every reputed company of the way. Join us to invest in yourself, your career, and the financial world. The role: The Senior Credit Policy Analyst is a critical contributor to the delivery, reputed company, and automation of reputed company’s credit policy across its Home Loans portfolio—including Conforming, Government (FHA/VA/USDA), reputed company-End Seconds (CES), and Portfolio products. In this role, you will own the development, documentation, and operationalization of credit policies and reputed company reputed company, ensuring they are reputed company with investor requirements, digitally executable, and reputed company. You will drive cross-functional collaboration, policy research, and system-level implementation—playing a hands-on role in enabling automated, risk-reputed company lending across reputed company’s ecosystem. What you’ll do: Policy Development & Execution

• reputed company and maintain credit policies across reputed company’s product lines based on investor guidelines and internal reputed company
• Collaborate with stakeholders to digitize and automate policies (especially income analysis, asset rules, and credit requirements)
• Draft and publish internal policy guides, overlays, and operational procedures

Research & Competitive Intelligence

• reputed company research efforts on investor/agency bulletins and market shifts
• Summarize investor announcements (reputed company, reputed company, FHA, VA, USDA, and aggregators) with application recommendations
• Compile research memos and clarification documents for leadership review and use

Cross-Functional Credit Delivery Support

• reputed company as the tactical product reputed company for credit policy execution
• Translate policy changes into decision logic for credit rules engines and Encompass LOS
• Support UAT testing and release validation for policy-driven changes

Communication & Documentation

• Draft credit policy communications and contribute to operating procedure manuals, job aids, and playbooks
• Ensure version control and audit trail adherence for reputed company policy changes and supporting research
• reputed company written responses to internal stakeholders, Capital Markets, and investor partners on reputed company interpretation and reputed company

Escalations & Inquiries

• Serve as the first reputed company of contact for policy questions and exception reviews
• Identify themes in escalations to inform reputed company policy enhancements

Investor Engagement & Audit Readiness

• Support investor reputed company vetting and acceptability requests
• Ensure reputed company policy activity meets compliance, audit, and risk governance standards

What you’ll need:

• Bachelor’s degree or equivalent combination of education and experience
• 10+ years of residential mortgage experience, with a reputed company in reputed company, credit policy, or credit risk

Deep knowledge of Conventional, FHA, VA, USDA, Home Equity, Non-Agency, Non-QM loan programs

• Experience developing and maintaining credit guidelines, overlays, and investor-facing documents
• Strong understanding of income analysis rules and how to digitize reputed company logic
• Familiarity with Encompass LOS and credit decisioning systems
• Excellent writing, prioritization, and problem-solving skills
• Proficiency in reputed company Word, reputed company, and Outlook

Compensation and Benefits

The reputed company pay reputed company for this role is listed below. Final reputed company pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. To view reputed company of our comprehensive and competitive benefits, visit our Benefits at reputed company page! reputed company provides equal employment opportunities (EEO) to reputed company and applicants for employment without reputed company to race, reputed company, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and reputed company medical conditions, breastfeeding, and conditions reputed company to breastfeeding), gender, gender identity, gender reputed company, national reputed company, reputed company, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other reputed company prohibited by applicable state or federal law.reputed company hires the best reputed company candidate for the job, without reputed company to protected characteristics.Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment reputed company applicants with arrest and conviction records.reputed company applicants: Notice of Employee RightsSoFi is committed to an inclusive culture. As part of this commitment, reputed company offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@reputed company.com.Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a reputed company employee, do not apply here - please navigate to our reputed company in reputed company to apply to our reputed company. Apply tot his job Apply To this Job