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The Senior Credit Policy Analyst develops and documents credit policies for loan products, ensuring compliance and collaboration across teams, and engages in research and communication with stakeholders.
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The role:
The Senior Credit Policy Analyst is a critical contributor to the delivery, clarity, and automation of SoFi’s credit policy across its Home Loans portfolio—including 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 implementation—playing a hands-on role in enabling automated, risk-aligned lending across SoFi’s ecosystem.
What you’ll do:
Policy Development & Execution- Develop and maintain credit policies across SoFi’s 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
- 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
- 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
- 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
- Serve as the first point of contact for policy questions and exception reviews
- Identify themes in escalations to inform future policy enhancements
- Support investor guideline vetting and acceptability requests
- Ensure all 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 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
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, 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 basis prohibited by applicable state or federal law.The Company hires the best qualified candidate for the job, without regard to protected characteristics.Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.New York applicants: Notice of Employee RightsSoFi is committed to embracing diversity. As part of this commitment, SoFi 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@sofi.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 current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.
Top Skills
Encompass Los
Excel
Microsoft Outlook
Microsoft Word
SoFi Seattle, Washington, USA Office
The office is located in Pike Tower, just five blocks from Pike Place Market, and houses some of our Engineering, Design, and Product teams - including engineers, product managers, and other technical functions.
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