Sofi Staff Credit Policy Analyst leads credit policy strategy and governance for condominium, co-op, and project review in home loans. This role develops policy frameworks and partners across teams to manage credit risk and compliance.
Responsibilities
As a Staff Credit Policy Analyst– Condominium, Co-op & Project Review Strategy for Home Loans, you will lead credit policy strategy, governance, and execution, with a primary focus on condominium and co-op project review strategy, including warrantable and non-warrantable condominium programs.
This role will support SoFi’s broader residential lending platform across Conforming, Government, CES, Home Equity, Portfolio, Jumbo, Non-Agency, and other specialty products. You will develop and maintain policy frameworks governing condominium and co-op project eligibility, non-warrantable condominium lending, project-level risk assessment, documentation requirements, exceptions, investor compliance, and escalation practices.
Credit Policy Leadership & Strategy
Lead the development, governance, and continuous improvement of credit policies across SoFi’s home lending products.
Own the strategy and policy framework for condominium and co-op project reviews, including warrantable and non-warrantable condominium lending.
Establish policy standards aligned with SoFi’s risk appetite, investor requirements, portfolio objectives, and business strategy.
Monitor changes in agency, investor, regulatory, market, and project-level risk requirements and recommend appropriate policy changes.
Evaluate opportunities to expand or refine condominium and co-op lending while maintaining appropriate credit, collateral, legal, operational, and concentration controls.
Partner with senior leadership to identify emerging project-level and broader credit risks and develop proactive risk-management strategies.
Lead initiatives that improve policy clarity, decision consistency, operational efficiency, customer experience, and portfolio performance.
Develop and maintain eligibility standards for warrantable and non-warrantable condominium and co-op projects.
Qualification
Experience working with Encompass LOSStrong analyticalExperience leading condominiumExperience supporting OCC examinationsExperience leading policy modernizationFamiliarity with model governance
Required
Bachelor’s degree or equivalent experience.
8+ years of residential mortgage experience, including significant experience in underwriting, credit policy, credit risk management, or condominium and co-op project review.
Deep knowledge of condominium and co-op project eligibility, project review requirements, financial analysis, insurance, litigation, reserves, assessments, and project-level risk factors.
Demonstrated experience evaluating or developing policy for non-warrantable condominium or other non-agency project lending.
Experience interpreting and applying Fannie Mae, Freddie Mac, FHA, VA, and other investor or regulatory requirements.
Proven ability to lead or influence credit policy across multiple mortgage products, including Conventional, Government, Home Equity, CES, Portfolio, Jumbo, Non-Agency, or Non-QM products.
Demonstrated ability to translate complex requirements into clear policy, procedures, underwriting guidance, and automated decision logic.
Strong understanding of residential credit risk, real estate risk, collateral risk, exception management, and regulatory expectations.
Experience partnering with Credit Operations, Underwriting, Product, Technology, Capital Markets, Legal, and Compliance teams.
Experience working with Encompass LOS, project review platforms, credit decisioning systems, or similar technology.
Strong analytical, organizational, documentation, and problem-solving skills.
Excellent communication and presentation skills, with the ability to influence senior stakeholders and explain complex risk decisions clearly.
Preferred
Experience leading condominium, co-op, non-warrantable, or project review policy at a bank, mortgage lender, agency, investor, or mortgage servicer.
Experience with agency project review tools and methodologies, including CPM or comparable project review platforms.
Experience developing risk-based project review, delegation, exception, or escalation frameworks.
Experience supporting portfolio or non-agency condominium lending strategies.
