Mission Loans

Title: Lending Product & Credit Policy Analyst Location: Remote Job Description: 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 anddelivering 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 & EXPERIENCE - 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. 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.

Role Description 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. This role is open to remote and/or hybrid candidates. 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 a credit policy manager, your primary mission is to oversee the staff and functions of the Credit Risk department as well as maintain the highest quality service standards set by the organization. Primary Duties & Responsibilities - Develop, maintain, and govern enterprise credit policies for mortgage and real estate lending products. - Evaluate risk model methodologies, outputs, and performance; partner with Fintech lending partners, retail partners, and investors to ensure policy alignment and risk appetite adherence. - Lead credit policy gap analysis initiatives, collaborating cross-functionally to identify exposures and drive remediation across origination, underwriting, and fulfillment. - Own and maintain investor relationships, serving as the primary point of contact for policy-related inquiries, guideline updates, and exception escalations. - Design and maintain risk monitoring dashboards and reporting packages for senior leadership, providing actionable portfolio-level insights. - Develop early warning indicators and leading metrics across mortgage portfolios to support the portfolio management team in asset hold, sale, and retention decisions. - Ensure credit policies reflect current agency (Fannie Mae/Freddie Mac), FHA, VA, Jumbo, and Non-QM guidelines, and remain compliant with applicable federal and state mortgage regulations. - Assist and coordinate the release of new lending products, partnering with cross-functional teams to ensure credit policy frameworks are established prior to launch. - Serve as a subject matter expert on regulatory compliance requirements governing mortgage loan origination and fulfillment, including TRID, RESPA, and applicable CFPB guidelines. - Communicate policy decisions, model validation findings, and portfolio performance through executive presentations and written reports with clarity and precision. Skills & Abilities - Commitment to a collaborative, low-drama workplace culture aligned with Mission Loans' customer- and team-member-centric mission. - Highly motivated self-starter with the ability to operate independently and lead cross-functional teams with minimal oversight. - Exceptional written and verbal communication skills, with demonstrated ability to translate complex quantitative concepts for non-technical audiences. - Strong analytical and creative problem-solving skills with a track record of driving data-informed decisions. - Demonstrated leadership experience in roles of increasing responsibility, with the ability to motivate and develop team members toward individual and organizational goals. - Superior organizational skills including pipeline management, workload forecasting, and deadline prioritization in a fast-paced environment. - Meticulous attention to detail with an unwavering commitment to accuracy, quality, and sound judgment. Qualifications - Bachelor's degree required in Statistics, Economics, Mathematics, Engineering, Operations Research, Financial Engineering, Physics, or Computer Science; advanced degree preferred. - 10+ years of progressive experience in credit policy development and quantitative analysis, with a statistical or data science background. - Demonstrated mortgage credit policy experience required; consumer credit policy experience a plus. - Expert-level knowledge of agency and investor underwriting guidelines, including Conventional, FHA, VA, Jumbo, and Non-QM loan programs. - Expert proficiency in Desktop Underwriter (DU) and Loan Product Advisor (LP/LPA). - Advanced knowledge of federal and state regulations governing mortgage origination and fulfillment, including TRID, RESPA, and CFPB compliance requirements. - Proficiency in reading and interpreting the 1003, Loan Estimates, and Closing Disclosures; ability to assess and document changes in circumstance triggering re-disclosure. - Advanced income calculation skills including salaried, self-employed, and complex borrower profiles; proficiency in qualifying ratios and loan-level pricing. - FHA DE Certification and VA SAR Certification preferred. - Knowledge of wet and dry closing distinctions a plus. 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 description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Mission Loans is looking for Experienced Remote Loan Officers to join our team! As a Loan Officer, you’ll play a key role in helping clients navigate their financial journey by assessing their needs, recommending the best loan products, and ensuring a seamless mortgage process. If you're a motivated professional who thrives in a fast-paced environment and loves helping customers achieve their homeownership goals, we want to hear from you. - Provide an exceptional customer experience by building trust and guiding clients through the loan process. - Engage with clients through inbound and outbound calls using company-provided leads and marketing resources. - Analyze financial situations to structure tailored loan offers that best fit customer needs. - Accurately input borrower information into the system, maintaining up-to-date records throughout the loan process. - Collect and review qualification documents to ensure complete and accurate loan submissions. - Communicate proactively with borrowers, addressing concerns and keeping them informed from application to closing. - Collaborate with internal teams, including processors and customer relationship managers, to resolve any qualification issues. - Meet and exceed performance goals, ensuring compliance with lending regulations and maintaining loan quality. Qualifications - A customer-first mindset, dedicated to delivering an outstanding experience. - Strong phone communication skills with the ability to build rapport quickly. - Self-motivated and results-driven, thriving in a fast-paced environment. - Excellent verbal and written communication skills with attention to detail. - Problem-solving and critical thinking skills to navigate loan structuring challenges. - Ability to multitask and prioritize in a high-volume setting. - Flexibility to work up to 50 hours per week, including occasional weekends. Requirements - Must possess an active MLO license with current authorization to operate in four or more states. - Minimum of 3 years of consecutive experience as a Direct-to-Consumer (DTC) loan Originator. - 3+ Years in a call center environment. - Expertise in mortgage products, including Conventional, FHA, VA, Refinance, JUMBO, Non-QM, HELOCs, and Seconds. - Proficiency in CRM and Loan Origination Systems (LOS), such as Byte, Salesforce, or Encompass to manage customer relationships. - Bilingual in Spanish is a plus. Benefits - Robust lead generation, Sr. loan officers primarily handle inbound calls. - Fast loan processing—on-site processors and underwriters ensure quick closings. - Competitive compensation structure with lucrative earning potential. - Supportive and growth-oriented team environment where leadership invests in your success. - Backed by Americor—stability and corporate support with a people-first approach. - Compensation: Average performers earn between $120,000 and $200,000 annually. Company Description Mission Loans, LLC. is proud to be an Equal Opportunity Employer. Mission Loans does not discriminate based on race, color, gender, disability, veteran, military status, religion, age, creed, national origin, sexual identity or expression, sexual orientation, marital status, genetic information, or any other basis prohibited by local, state, or federal law. Notice to Agencies: Mission Loans, LLC. (the "Company") has an internal recruiting department. Mission Loans, LLC may supplement that internal capability from time to time with assistance from temporary staffing agencies, placement services, and professional recruiters ("Agency"). Agencies are hereby specifically directed NOT to contact Mission Loans, LLC. employees directly in an attempt to present candidates. The Company’s policy is for the internal recruiting team or other authorized personnel to present ALL candidates to hiring managers. Any unsolicited resumes sent to Mission Loans, LLC. from a third party, such as an Agency, including unsolicited resumes sent to a Company mailing address, fax machine, or email address, directly to Company employees, or to the resume database, will be considered Company property. Mission Loans, LLC. will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Mission Loans, LLC. will consider any candidate for whom an Agency has submitted an unsolicited resume to have been referred by the Agency free of any charges or fees.