[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