SoFi · 1 day ago
Senior Credit Policy Analyst
Charlotte, NC
Full-time
Hybrid
Senior Level, Lead/Staff
$99K/yr - $186K/yr
10+ years expSoFi is a next-generation financial services company and national bank using innovative technology to help members reach their goals. The Senior Credit Policy Analyst will develop, document, and operationalize credit policies for SoFi’s Home Loans portfolio, ensuring alignment with investor requirements and driving automation in lending processes.
CreditCredit CardsFinancial ServicesFinTechLendingWealth Management
Responsibilities
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
Qualification
Required
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
Benefits
Comprehensive and competitive benefits
Company
SoFi
SoFi is a finance company that offers a range of lending and wealth management services.
1001-5000 employees
H1B Sponsorship
SoFi has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (213)
2024 (117)
2023 (131)
2022 (118)
2021 (81)
2020 (42)
Funding
Current Stage
Public CompanyTotal Funding
$12.25BKey Investors
Fortress Investment GroupPGIMQatar Investment Authority
2025-12-04Post Ipo Equity· $1.5B
2025-07-29Post Ipo Equity· $1.5B
2025-04-17Post Ipo Debt· $3.2B
Leadership Team
Anthony Noto
CEO
Jeremy Rishel
Chief Technology Officer
Recent News
Business Wire
2026-01-07
2026-01-06
dcm.com
2025-12-31
Company data provided by crunchbase