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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step 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, 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
Top Skills
What the Team is Saying
What We Do
For over a decade, SoFi has helped transform the Fintech industry by creating financial products and services that help people borrow, save, spend, invest, and protect their money better, so they can achieve financial independence and realize their ambitions. Whether it’s owning a home, saving for retirement, paying off their student loans, or helping our members invest - SoFi is there every step of the way. Want to learn more about how it works? Check it out here: https://www.sofi.com/how-it-works/
Our core values are at the center of how we help our millions of members get their money right. They are our guiding principles for how we think about serving our members, building our company, and most importantly, how we work together. At SoFi, it’s not just what we do - but how we do it.
SoFi is also proud to be the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
For more information, visit SoFi.com
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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