Staff Credit Policy Analyst – Condo, Co-op & Project Review

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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.

You will serve as a strategic partner to Credit Risk, Credit Operations, Capital Markets, Product, Operations, Legal, Compliance, and Technology. The role will translate complex credit, regulatory, investor, and market requirements into clear policy, effective controls, scalable processes, and executable business rules.

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.

Condominium, Co-op & Non-Warrantable Project Strategy

• Develop and maintain eligibility standards for warrantable and non-warrantable condominium and co-op projects.

• Establish requirements for project financials, budgets, reserves, insurance, assessments, litigation, structural conditions, ownership composition, commercial space, investor concentration, marketability, and project governance.

• Define the risk framework for non-warrantable condominium lending, including eligible project characteristics, prohibited or restricted conditions, documentation requirements, review standards, escalation criteria,