SoFi
Staff Credit Policy Analyst – Condo, Co-op & Project Review
United States +1 · Staff · Internship · Posted Apr 13, 2026
- Location
- United States
NC - Charlotte - Experience
- 8+ years of residential mortgage experience; no alternatives stated.
- Education
- Bachelor’s degree or equivalent experience.
About the job
Leads credit policy strategy and governance for home lending, with a focus on condominium, co-op, and non-warrantable project reviews and their implementation across products and systems.
What you'll do
- Develop project eligibility, risk, documentation, exception, and escalation standards; guide complex project reviews.
- Govern policy changes and partner across risk, operations, product, capital markets, legal, compliance, and technology to implement them.
- Monitor project-review controls and performance, address deficiencies, and recommend policy or portfolio changes.
What they ask for
- 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 eligibility, project review, financial analysis, and project-level risk; experience evaluating or developing non-warrantable or other non-agency lending policy.
- Experience interpreting Fannie Mae, Freddie Mac, FHA, VA, and other investor or regulatory requirements, and translating them into policy and automated decision logic.
Nice to have
- Experience leading condominium, co-op, non-warrantable, or project review policy; CPM or comparable project review platform experience.
- Experience with risk-based review frameworks, portfolio or non-agency lending, examinations or audits, policy modernization, or data tools such as Excel, Tableau, or SQL.
Tools
Encompass LOS, CPM, Excel, Tableau, SQL
Model-written summary · the original posting is authoritative