About the role#
As a Staff Credit Policy Analyst, you will lead credit policy strategy, governance, and execution for SoFi’s home lending platform. You will focus on condominium and co-op project review strategy, covering both warrantable and non-warrantable programs. This role supports a broad range of products, including Conforming, Government, Home Equity, Portfolio, and Jumbo loans.
What you'll do#
- Lead the development and continuous improvement of credit policies across home lending products.
- Establish policy standards that align with risk appetite, investor requirements, and business strategy.
- Define and maintain eligibility standards for condominium and co-op projects, including financial analysis, insurance, reserves, and litigation risk.
- Translate complex regulatory and investor requirements into clear underwriting guidance, business rules, and operating procedures.
- Partner with Credit Risk, Capital Markets, Product, Legal, and Technology teams to implement policy within systems like Encompass LOS.
- Oversee user acceptance testing and post-production validation for policy-related releases.
- Monitor project-level performance and market trends to recommend proactive policy changes.
- Provide subject-matter expertise and mentorship to underwriters, policy analysts, and project review staff.
- Support responses to regulatory examinations, investor reviews, and quality-control findings.
What you'll need#
- Bachelor’s degree or equivalent experience.
- 8+ years of residential mortgage experience, with a focus on underwriting, credit policy, or project review.
- Deep knowledge of condominium and co-op project eligibility, including financial analysis, reserves, and project-level risk factors.
- Experience developing policy for non-warrantable condominium or non-agency project lending.
- Ability to interpret and apply requirements from Fannie Mae, Freddie Mac, FHA, VA, and other regulators.
- Proven track record of influencing credit policy across multiple mortgage products.
- Experience working with Encompass LOS, credit decisioning systems, or similar technology.
- Strong analytical, organizational, and communication skills.
- Demonstrated ability to operate independently and lead initiatives across a matrixed organization.
Location & details#
- This is a full-time, remote position.
- The role is open for rolling applications.
About SoFi
SoFi is a financial services company based in San Francisco. Founded in 2011, it provides products for borrowing, saving, spending, and investing. The company employs between 1,001 and 5,000 people. Its services include student loan refinancing, mortgages, personal loans, and wealth management.
How to get in at SoFi
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