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Staff Credit Policy Analyst
Staff Credit Policy AnalystSoFi • Frisco, Texas, USA
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Staff Credit Policy Analyst

Staff Credit Policy Analyst

SoFi • Frisco, Texas, USA
[job_card.30_days_ago]
[job_preview.job_type]
  • [job_card.full_time]
[job_card.job_description]

The Role

As a Staff Credit Policy Analyst for Home Loans will lead the design governance and continuous evolution of SoFis credit policy framework across Conforming Government (FHA / VA / USDA) Closed-End Seconds (CES) and Portfolio products.

This leader will own the strategic direction and operational oversight of credit policy development ensuring all underwriting criteria are risk-aligned investor-compliant and digitally executable. You will serve as a key partner to Risk Capital Markets Product and Operationsdriving clarity consistency and scalability across all credit decisioning processes.

In this role you will provide strategic oversight of policy research system automation and audit readiness while fostering innovation in digital underwriting and credit enablement. What Youll Do

Credit Policy Leadership & Strategy

  • Lead the end-to-end lifecycle of SoFis home lending credit policies ensuring they align with enterprise risk appetite investor standards and business objectives.
  • Define and manage the credit policy governance framework including approval processes documentation standards and version control practices.
  • Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments.
  • Oversee the roadmap for credit automation and decisioning logic to enable efficient consistent underwriting outcomes.

Cross-Functional Collaboration & Influence

  • Serve as the primary liaison between Credit Risk Capital Markets Product and Operations to align on policy design implementation and investor acceptance.
  • Represent Credit Policy in governance committees product development discussions and cross-functional steering groups.
  • Provide executive-level insights on credit trends investor changes and policy performance metrics.

    • Operational Excellence & System Enablement

  • Direct the translation of credit policy into executable business rules within systems such as Encompass LOS and credit decisioning engines.
  • Oversee UAT policy-driven releases and control validation to ensure digital accuracy and audit compliance.
  • Ensure policy language and logic are harmonized across internal guides overlays and automated systems.

    • Governance Risk & Compliance

  • Establish and maintain strong governance around policy management including audit trails documentation and version tracking.
  • Oversee investor guideline vetting agency updates and compliance acceptability reviews.
  • Partner with Internal Audit and Enterprise Risk to ensure controls are effective and deficiencies are remediated promptly.
  • Lead responses to external reviews investor inquiries and audit examinations related to credit policy.

    • Team Development & Mentorship

  • Provide mentorship and direction to policy analysts and cross-functional partners supporting policy execution.
  • Foster a culture of curiosity accountability and precision within the credit policy function.
  • Build scalable processes and tools to improve policy delivery speed and accuracy.

    • What Youll Need

  • Bachelors degree or equivalent experience
  • 1015 years of residential mortgage experience including deep expertise in underwriting credit policy or credit risk management
  • Proven experience leading or influencing credit policy frameworks across multiple mortgage product lines (Conventional FHA VA USDA Home Equity Non-Agency Non-QM)
  • Demonstrated success in translating complex investor requirements into automated decision logic and operational guidelines
  • Strong understanding of credit risk management principles income and asset analysis and regulatory compliance
  • Experience working with Encompass LOS and credit decisioning systems
  • Excellent communication and presentation skills with the ability to engage senior stakeholders and external investors
  • Exceptional organizational documentation and leadership abilities

    • Preferred Qualifications

  • Experience leading policy modernization or digital transformation initiatives in mortgage credit
  • Familiarity with model governance risk control frameworks and policy automation technologies
  • Strong analytical and data fluency using Excel Tableau or similar tools
  • Demonstrated ability to influence executive decision-making through data-driven recommendations

    • Required Experience :

    Staff IC

    Key Skills

    Invasive Cardiology,Access Control System,B2C,Lorry Driving,Call Centre,Entry Level Finance

    Employment Type : Full-Time

    Experience : years

    Vacancy : 1

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