SF Risk - Loan Quality Compliance - Lead Associate

The Fannie Mae; Plano (TX); On-site; USD 109,000 - 142,000; Full time

Job summary

Fannie Mae in Plano, TX is seeking a seasoned professional to mentor internal teams and vendor partners in forensic loan reviews, focusing on credit underwriting, quality assurance, misrepresentation, fraud, and guideline adherence.

You will lead reviews, analyze loan-level data, report findings to stakeholders, and collaborate to resolve issues while applying underwriting standards and risk management practices.

Qualifications

• 4 years of related experience.
• Bachelor's degree or equivalent.
• Experience or interest in applying AI to risk analysis.

Responsibilities

• Lead forensic reviews to assess compliance with underwriting standards and risk appetite.
• Research complex loan scenarios using multiple data sources and risk models.
• Provide guidance and mentorship on loan reviews, research methodologies, and risk evaluation.
• Prepare and communicate reporting on loan quality findings, defects, and areas of risk to stakeholders.
• Collaborate with policy, risk, and vendor partners to resolve issues and ensure consistent underwriting application.

Education

Bachelor's degree or equivalent

Job description

Playing an essential role in the U.S. economy, Fannie Mae is foundational to housing finance. Here, your expertise can help fuel purpose-driven innovation that expands access to homeownership and affordable rental housing across the country. Join Fannie Mae to grow your career and help people find a place to call home.Job DescriptionAs a valued colleague on our team in Plano, TX, you will mentor and provide expert guidance to internal team members and outsourced vendor partners in performing loan reviews focused on credit underwriting, quality assurance, misrepresentation, fraud, and adherence to applicable guidelines and requirements. You will oversee and ensure accurate reporting on credit quality, collaborate with internal policy and strategy teams, communicate identified loan defects to key stakeholders, and partner with internal teams and outsourced vendors to resolve issues and support effective risk management.The Impact You Will MakeLead forensic reviews of credit files and relevant loan documentation to assess compliance with the firm's eligibility requirements and underwriting standards and identify potential fraud, misrepresentation, or other loan quality concerns.Research a broad range of complex loan scenarios using multiple tools and data sources, including loan file documentation, public records, and proprietary risk models.Provide guidance and mentorship to team members on loan reviews, research methodologies, underwriting requirements, and the evaluation of complex or unusual circumstances.Lead reviews of internal teams, outsourced vendor partners, and related processes to assess compliance with internal underwriting standards and quality assurance requirements.Analyze loan-level and portfolio-level findings to identify trends, recurring defects, and emerging loan quality issues.Prepare and communicate accurate reporting on loan quality findings, defects, and areas of risk to appropriate stakeholders.Collaborate with policy, strategy, risk, internal partners, and outsourced vendor partners to research findings, resolve identified issues, and support consistent application of underwriting and eligibility requirements.Minimum Required Experience:4 years of related experienceShows curiosity and adaptability in learning and responsibly applying new technologies, including artificial intelligence, to reimagine how we workDesired Experience / Education:Bachelor's degree or equivalentQualificationsEducation: Bachelor's Level Degree (Required)The future is what you make it to be. Discover compelling opportunities at Fanniemae.com/careers.For most roles, employees are expected to work onsite on a regular basis at their designated office location. In-office work cadence is determined by your manager. Proximity within a reasonable commute to your designated office location is preferred unless the job is noted as open to remote.Fannie Mae is an equal opportunity employer and considers qualified applicants for employment without regard to race, color, religion, sex, national origin, disability, age, sexual orientation, gender identity/gender expression, marital or parental status, or any other protected factor. Fannie Mae is committed to providing reasonable accommodations to qualified individuals with disabilities who are employees or applicants for employment, unless to do so would cause undue hardship to the company. If you need assistance using our online system and/or you need a reasonable accommodation related to the hiring/application process, please complete this form .The hiring range for this role is set forth below. Final salaries will generally vary within that range based on factors that include but are not limited to, skill set, depth of experience, certifications, and other relevant qualifications. This position is eligible to participate in a Fannie Mae incentive program (subject to the terms of the program). As part of our comprehensive benefits package, Fannie Mae offers a broad range of Health, Life, Voluntary Lifestyle, and other benefits and perks that enhance an employee's physical, mental, emotional, and financial well-being. See more here .Requisition compensation: 109000to 142000