Lending Product and Credit Policy Analyst
Our customer-centric team is changing the home lending game with fierce loyalty and a dedication to delivering an extraordinary home loan experience. We empower our team members by engaging and immersing them in a fun, positive, and energetic atmosphere that places emphasis on the customer experience above all else. If you love coming to work every day and winning, hold yourself to high goals and standards, subscribe to a no drama workplace and live to serve your customers as much as each other…we want you on our team.
Mission Loans is seeking experienced mortgage professionals who thrive in a fast-paced environment without losing focus on quality of work and delivering an exceptional customer experience. As the Lending Product & Credit Policy Analyst, your primary mission is to manage and develop product lending guidelines and research potential product offerings that meet the needs of both the company and its customers.
PRIMARY DUTIES & 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 & ABILITIES:Subscribe to a no drama workplace
Subscribe to the mission of creating a truly customer and team member centric environment
Love to come into work every day and win
Highly motivated, self-starter with ability to work independently under minimal supervision, and as a team player
Clear, effective interpersonal skills, written and verbal communication skills
Ability to work in a fast-paced, multi-tasking environment and manage to multiple deadlines
Strong analytical, problem solving and creative thinking skills
Ability to learn and adapt to guideline changes
Strong organization, follow through and time management skills
Excellent attention to detail with commitment to accuracy and quality
Dependable, responsible and able to use good judgement
Strong phone skills, easily building rapport and connection with customers
QUALIFICATIONS & EXPERIENCEHigh 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.
Other Duties: This position profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization.
This is not a contract of employment. Everyone is responsible for reading and complying with all duties, requirements, and responsibilities contained herein, and any subsequent revisions.
Mission Loans, LLC is an Equal Opportunity Employer; we prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, and local laws.
Mission Loans is seeking experienced mortgage professionals who thrive in a fast-paced environment without losing focus on quality of work and delivering an exceptional customer experience. As the Lending Product & Credit Policy Analyst, your primary mission is to manage and develop product lending guidelines and research potential product offerings that meet the needs of both the company and its customers.
PRIMARY DUTIES & 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 & ABILITIES:Subscribe to a no drama workplace
Subscribe to the mission of creating a truly customer and team member centric environment
Love to come into work every day and win
Highly motivated, self-starter with ability to work independently under minimal supervision, and as a team player
Clear, effective interpersonal skills, written and verbal communication skills
Ability to work in a fast-paced, multi-tasking environment and manage to multiple deadlines
Strong analytical, problem solving and creative thinking skills
Ability to learn and adapt to guideline changes
Strong organization, follow through and time management skills
Excellent attention to detail with commitment to accuracy and quality
Dependable, responsible and able to use good judgement
Strong phone skills, easily building rapport and connection with customers
QUALIFICATIONS & EXPERIENCEHigh 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.
Other Duties: This position profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization.
This is not a contract of employment. Everyone is responsible for reading and complying with all duties, requirements, and responsibilities contained herein, and any subsequent revisions.
Mission Loans, LLC is an Equal Opportunity Employer; we prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, and local laws.