Senior Credit Policy Analyst
Senior Credit Policy Analyst
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Salary Not Disclosed
1 Vacancy
Job Description
The role:
The Senior Credit Policy Analyst is a critical contributor to the delivery clarity and automation of SoFis credit policy across its Home Loans portfolioincluding Conforming Government (FHA/VA/USDA) Closed-End Seconds (CES) and Portfolio products.
In this role you will own the development documentation and operationalization of credit policies and underwriting criteria ensuring they are aligned with investor requirements digitally executable and scalable. You will drive cross-functional collaboration policy research and system-level implementationplaying a hands-on role in enabling automated risk-aligned lending across SoFis ecosystem.
What youll do:
Policy Development & Execution
- Develop and maintain credit policies across SoFis product lines based on investor guidelines and internal strategy
- 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
- Lead research efforts on investor/agency bulletins and market shifts
- Summarize investor announcements (Fannie Mae Freddie Mac FHA VA USDA and aggregators) with application recommendations
- Compile research memos and clarification documents for leadership review and use
Cross-Functional Credit Delivery Support
- Act as the tactical product owner 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 all policy changes and supporting research
- Provide written responses to internal stakeholders Capital Markets and investor partners on guideline interpretation and intent
Escalations & Inquiries
- Serve as the first point of contact for policy questions and exception reviews
- Identify themes in escalations to inform future policy enhancements
Investor Engagement & Audit Readiness
- Support investor guideline vetting and acceptability requests
- Ensure all policy activity meets compliance audit and risk governance standards
What youll need:
- Bachelors degree or equivalent combination of education and experience
- 10 years of residential mortgage experience with a focus in underwriting 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 underwriting logic
- Familiarity with Encompass LOS and credit decisioning systems
- Excellent writing prioritization and problem-solving skills
- Proficiency in Microsoft Word Excel and Outlook
Required Experience:
Senior IC
Employment Type
Full Time
