Senior Credit Policy Analyst

Overview

The Senior Credit Policy Analyst will support the Consumer Direct (CD) and Third-Party Origination (TPO) channels for Lakeview. The primary responsibility of this role is to partner with key stakeholders to develop, maintain, and communicate credit policy, ensuring clear guidance for both internal and external audiences. This individual will review, analyze, and interpret FNMA, FHLMC, FHA, VA, USDA, and GNMA guidelines and announcements, and recommend policy changes and enhancements that align with regulatory and investor requirements while supporting strong execution, consistency, and transparency across the organization.

This is a fully remote position that offers a competitive salary range of $76,000 to $88,000, plus an annual bonus. You'll also receive our excellent benefits package, which includes medical coverage starting on day one and a company-matched 401(k). Compensation may vary based on experience, location, and other job-related factors.

• Receive, interpret, and prepare updates to all product material used by lending channels, underwriting, and correspondent clients (i.e., Fannie Mae, Freddie Mac, or GNMA announcements).
• Support credit policy documents and P&Ps related to various credit policy topics, including but not limited to Disasters, Exceptions to Guidelines, and Borrower Residency Eligibility.
• Chair or actively participate in the Management Requirements Framework weekly calls.
• Act as the credit policy representative for channel-specific Systematic Customer Resolution Unraveling Meetings (SCRUM).
• Actively work with our Housing Finance Agency (HFA) partners regarding program development, training, and subject matter expert for credit policy.
• Deliver strong, professional verbal and written communications, delivery of credit policy requirements that drive transparency and brand awareness for new and existing products.
• Analyze credit policies to make informed recommendations about underwriting strategies to support credit products.
• Review credit policy changes to ensure all requirements and product changes are assessed from a credit, operational, systemic risk, and competitive impact. Recommendations must be well documented and clearly articulated to all impacted stakeholders.
• Research and evaluate internal and external data sources to increase the value of underwriting practices, such as review of competitive intelligence, and maintain a working document that compares Lakeview Credit Policy to other investors in the market.
• Maintain the current product matrices and selling guides, as needed, to ensure that the information provided to internal and external partners is up-to-date, accurate, and consistent across business channels. Complete any updates as needed.
• Act as a subject matter expert for internal partners to guide topics related to credit policy to ensure a consistent methodology throughout the underwriting department.
• Partner with appropriate departments (Sales, Capital Markets, Underwriting, Training) on any new or revised product roll-outs and special projects as needed.
• Other duties as assigned.

• Bachelor’s degree in Business Management, Finance, Accounting, or related field, or equivalent experience or professional certifications preferred.
• Minimum 8 years’ mortgage industry experience, including 5+ years in Credit Policy, Risk Management, and/or Underwriting, with demonstrated senior-level decision-making responsibility.
• Knowledge of FNMA, FHLMC, VA, USDA, and FHA Credit Policy requirements and underwriting guidelines.
• Experience with Housing Finance Agency lending programs, including state-specific guidelines and requirements.
• Proven ability to develop, interpret, maintain, and govern credit policy, ensuring alignment with regulatory, investor, and business requirements.
• Excellent verbal and written communication skills with the ability to translate complex credit policy into clear, actionable guidance for business partners, operations, and leadership.
• Strong analytical, problem-solving, and critical thinking skills.
• Ability to collaborate effectively across departments and build trusted relationships with internal and external stakeholders.
• Proven ability to manage multiple priorities and adapt to changing business and regulatory demands.
• Develop deep business process knowledge and stay abreast of business and regulatory changes.
• Advanced proficiency in Microsoft Office for policy drafting, analysis, and reporting.

Lakeview is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence, and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.

#LI-Remote