Credit Policy Analyst

Position Overview

The Credit Policy Analyst supports the execution, maintenance, and implementation of company credit policies, matrices, and guidelines across Agency and Non-Agency products.

This is a hands-on execution role focused on monitoring guideline updates, implementing approved changes, and ensuring credit guidance remains current, consistent, and aligned with established Credit Policy direction.

Key Responsibilities

Monitor, interpret Agency and Non-Agency guideline updates and implement approved changes.

Update and maintain credit policies, guidelines and product matrices.

Draft proposed policy and guideline revisions for review and approval.

Respond to internal credit policy interpretation and clarification requests.

Track effective dates and maintain version control documentation.

Support accuracy and integrity of published credit materials.

Perform other related duties and support Credit Policy initiatives as assigned.

Qualifications

Minimum 2 years of mortgage experience with direct exposure to credit policy execution.

Experience with Agency guidelines and Non-QM exposure preferred.

Demonstrated experience interpreting investor guideline updates.

Strong analytical and written communication skills.

Detail-oriented and organizational capabilities.

Proficient in Encompass or similar LOS platforms.

Ability to work independently in a structured execution environment.

Compensation: $75,000- $110,000 annually

Pay: $75,000.00 - $110,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Employee assistance program
• Employee discount
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Retirement plan
• Vision insurance

Work Location: Hybrid remote in Lake Forest, CA 92630