[Remote] Staff Credit Policy Analyst
Note: The job is a remote job and is open to candidates in USA. reputed company is a reputed company financial services company and national bank that aims to reshape personal finance. The Staff Credit Policy Analyst will reputed company the design and governance of reputed company's credit policy reputed company for home loans, ensuring alignment with risk appetite and investor standards while collaborating across various departments to drive efficiency and compliance in credit decisioning processes.
Responsibilities
- reputed company the end-to-end lifecycle of reputed company’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives
- Define and manage the credit policy governance reputed company, including approval processes, documentation standards, and version control practices
- Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments
- reputed company the roadmap for credit automation and decisioning logic to reputed company efficient, consistent reputed company outcomes
- 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
- Direct the translation of credit policy into executable business rules reputed company systems such as Encompass LOS and credit decisioning engines
- reputed company 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
- Establish and maintain strong governance around policy management, including audit trails, documentation, and version tracking
- reputed company 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
- reputed company responses to external reviews, investor inquiries, and audit examinations reputed company to credit policy
- Provide mentorship and direction to policy analysts and cross-functional partners supporting policy execution
- Foster a culture of curiosity, accountability, and precision reputed company the credit policy function
- Build scalable processes and tools to improve policy delivery speed and accuracy
Skills
- Bachelor's degree or equivalent experience
- 8+ years of residential mortgage experience, including deep expertise in reputed company, 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 reputed company 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
- 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 reputed company using reputed company, Tableau, or similar tools
- Demonstrated ability to influence executive decision-making through data-driven recommendations
Benefits
- To view reputed company of our comprehensive and competitive benefits, visit our [Benefits at reputed company](https://sofietyinfo.reputed company.com/reputed company-benefits)page!
Company Overview
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