Credit Policy Analyst

Responsibilities

• Support the interpretation and application of Fannie Mae and Freddie Mac credit guidelines
• Document policy interpretations and credit exceptions with clear rationale
• Maintain centralized decision logs and precedent tracking
• Identify emerging gray-area trends and recommend guidance updates
• Write and maintain SQL queries to support exception tracking, trend analysis, and risk reporting
• Help develop and maintain reporting on exception volume/types, pricing-impacting scenarios, and QC feedback themes
• Identify patterns in loan data that may indicate credit box drift
• Assist in monitoring and summarizing GSE guideline updates
• Support translation of policy changes into internal procedures and system requirements
• Partner closely with Underwriting, QC, Pricing, and Operations

Requirements

• Bachelor's Degree
• 1-3 years of experience in mortgage underwriting, credit policy, QC, or related functions
• Familiarity with Fannie Mae and Freddie Mac Selling Guide requirements
• Proficiency in SQL for independent querying against structured data
• Strong written communication skills
• Ability to operate independently in a startup environment

Preferred Qualifications

• Master's Degree

Benefits

• Competitive Compensation including salary and performance bonuses
• Comprehensive Benefits including health, dental, vision, and mental wellness support
• 401(k) with company matching
• Career advancement opportunities
• Generous PTO and wellness programs

About the Company

Anza MI is a fintech startup using technology and analytics to drive growth and innovation within the US mortgage market.