[Remote] Lending Product and Credit Policy Analyst

Note: The job is a remote job and is open to candidates in USA. Americor is dedicated to transforming the home lending experience with a focus on customer satisfaction. The Lending Product & Credit Policy Analyst will manage and develop product lending guidelines, research potential offerings, and ensure compliance with investor guidelines while enhancing the overall customer experience.

Responsibilities

• Manage and develop product lending guidelines and matrices by designing, testing, and updating lending criteria (e.g. LTV, credit score thresholds, and DTI limits)
• Organize launch of new lending products while maintaining investor or secondary market guidelines
• Provide product assessments and comparisons
• Coordinate and manage new product rollout
• Maintain investor guidelines and coordinate announcements of changes to the floor
• Poll investors for guideline clarification
• Review “Ask the UW” questions for first level response
• Review exception queue for first level response
• Acting as the bridge between sales, underwriting, compliance, and secondary markets to roll out program changes seamlessly

Skills

• High School Diploma or GED required; Bachelor's degree preferred
• This is a remote position; you MUST reside in the United States
• 2-3 years' experience in mortgage lending product development, credit risk, policy analysis or secondary marketing
• Underwriting experience a plus
• Must have deep understanding of the mortgage industry, including market trends and regulatory requirements
• Thorough understanding of agency & investor underwriting guidelines, policies and procedures
• Proven ability to manage project timelines
• Experience working with cross-functional teams
• Basic math skills: ability to add, subtract, multiply, and divide in all units of measure
• Strong proficiency in Microsoft Excel (data modeling/exception tracking)
• Familiarity with Loan Origination Systems (LOS) and policy management platforms

Company Overview