<div class="content-intro"><p><a href="https://www.sofi.com/sofi-employee-applicant-privacy-notice/" target="_blank"><strong>Employee Applicant Privacy Notice</strong></a></p> <p><strong>Who we are:</strong></p> <div> <p>Shape a brighter financial future with us.</p> <p>Together with our members, we’re changing the way people think about and interact with personal finance.</p> <p>We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. <strong>Join us to invest in yourself, your career, and the financial world.</strong></p> </div></div><h2><span style="font-size: 12pt;"><strong>The Role</strong></span></h2> <p>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.</p> <p>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.</p> <p>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.</p> <h2><span style="font-size: 12pt;"><strong>What You’ll Do</strong></span></h2> <h3><span style="font-size: 12pt;"><strong>Credit Policy Leadership & Strategy</strong></span></h3> <ul> <li>Lead the development, governance, and continuous improvement of credit policies across SoFi’s home lending products.</li> <li>Own the strategy and policy framework for condominium and co-op project reviews, including warrantable and non-warrantable condominium lending.</li> <li>Establish policy standards aligned with SoFi’s risk appetite, investor requirements, portfolio objectives, and business strategy.</li> <li>Monitor changes in agency, investor, regulatory, market, and project-level risk requirements and recommend appropriate policy changes.</li> <li>Evaluate opportunities to expand or refine condominium and co-op lending while maintaining appropriate credit, collateral, legal, operational, and concentration controls.</li> <li>Partner with senior leadership to identify emerging project-level and broader credit risks and develop proactive risk-management strategies.</li> <li>Lead initiatives that improve policy clarity, decision consistency, operational efficiency, customer experience, and portfolio performance.</li> </ul> <h3><span style="font-size: 12pt;"><strong>Condominium, Co-op & Non-Warrantable Project Strategy</strong></span></h3> <ul> <li>Develop and maintain eligibility standards for warrantable and non-warrantable condominium and co-op projects.</li> <li>Establish requirements for project financials, budgets, reserves, insurance, assessments, litigation, structural conditions, ownership composition, commercial space, investor concentration, marketability, and project governance.</li> <li>Define the risk framework for non-warrantable condominium lending, including eligible project characteristics, prohibited or restricted conditions, documentation requirements, review standards, escalation criteria, and applicable risk mitigants.</li> <li>Evaluate the appropriate use of loan-level and project-level mitigants, including LTV, CLTV, credit profile, reserves, DTI, property type, occupancy, geographic concentration, project exposure, and other relevant risk factors.</li> <li>Develop standards for limited, streamlined, full, and enhanced project reviews.</li> <li>Establish requirements for complex projects, including projects with significant litigation, inadequate reserves, insurance concerns, commercial-use exposure, structural issues, construction or conversion risk, investor concentration, or other elevated risk factors.</li> <li>Provide senior guidance on complex and judgmental project reviews and determine when additional diligence or escalation is required.</li> <li>Develop consistent decisioning and exception practices for ineligible, conditionally eligible, and non-standard projects.</li> <li>Monitor project-level performance, exceptions, defects, concentrations, and market trends to inform policy changes and portfolio strategy.</li> <li>Partner with Capital Markets and Product to assess investor eligibility, execution considerations, pricing implications, and portfolio strategy for warrantable and non-warrantable projects.</li> </ul> <h3><span style="font-size: 12pt;"><strong>Policy Governance & Cross-Functional Leadership</strong></span></h3> <ul> <li>Define and maintain the credit policy govern