Credit Risk Analyst Sr

About Us

Finance of America helps homeowners 55+ access the equity they’ve built while staying in full control of their home and their financial future. Through a range of reverse mortgage solutions, we help customers shape the retirement they’ve earned while continuing to evolve how we serve and work together.

Joining Finance of America now means stepping into a period of momentum and growth, with teams actively shaping what comes next and opportunities to make an impact and grow your career.

To learn more about us, visit

Purpose of Role

Responsible for performing audits to assess Finance of America’s compliance with HUD, state, and federal regulatory requirements.

Key Responsibilities and Expectations

• Manages QC audits including, but not limited to, post funding, prefunding, auditing the auditor vendor reviews and denied loans to follow all applicable state, federal, agency and investor guidelines including HUD QC Plan requirements.

• Manages question sets on the QC checklists including keeping question sets updated.

• Ensures proper findings/issues are addressed properly in the LOS system by the underwriter.

• Assists with the identification of potential areas for improvement through the completion of Quality Control audits.

• Meets review timelines and performance metrics.

• Communicates audit findings, as necessary, to related responsible parties.

• Assists leadership with projects designed to improve the audit process.

• Finalizes determination of audit findings.

• Complies with all local and federal fair lending laws and net benefit requirements.

• Performs other duties as assigned.

Reports To

VP, Quality Control

Qualifications

Qualifications - Experience/Skills/Competencies

• Minimum of 5 years related audit experience.

• Demonstrated experience in mortgage operations in the areas of underwriting, quality control, servicing or internal audit; Reverse Mortgage experience a plus.

• Experience as a Direct Endorsement (DE) Underwriter, Servicing or Insuring and Guaranty Specialist on HECM reverse mortgages required or the equivalent QC of DE underwriters and FHA, VA and Conventional Mortgage Products.

• Recent general federal regulatory experience preferred.

• General knowledge of lending policies, procedures, practices, and documentation.

• Knowledge of HUD guidelines a plus.

• Demonstrated teamwork abilities.

• Excellent verbal and written communication skills.

• Strong analytical, critical thinking, and organizational skills.

• Highly proficient with Microsoft Word, Excel, PowerPoint and Outlook.

• Detail oriented and focused.

• Ability to take initiative, work autonomously, and drive projects forward to completion.

• Sound judgment and decision-making ability.

• Analytical end-to-end thinking and problem-solving skills.

Qualifications - Education - Required

High School Diploma or GED

Qualifications - Education - Preferred

Bachelor's Degree

Compensation

The base salary range for this position is ($85,000 - $115,000 ) inclusive of all geographical differences in the labor market. The base salary for the position will be determined based on factors such as the candidate’s work location, skills, education, and experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members in determining any final offer. We offer a competitive benefits package including health, dental, vision, life insurance, paid time-off benefits, flexible spending account, 401(k) with employer match, and ESPP.

Additional Information

The application deadline for this job opportunity is 8/11/2026.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Finance of America is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, sex (including pregnancy), sexual orientation, religion, creed, age, national origin, physical or mental disability, gender identity and/or expression, marital status, veteran status or other characteristics protected by law.

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