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

Our Mission

Our mission is to empower homeownership by mitigating credit risk through mortgage insurance. We strive to leverage technology and operational excellence to deliver exceptional service to our lender and servicer partners, offer reliable and secure capital support for our insureds, generate leading returns for our shareholders, and foster a fulfilling, rewarding environment for our team members.

Technology Forward

We differentiate ourselves by designing, architecting, and developing our operating systems in-house. This unique approach creates a platform tailored to the needs of today's housing market. It positions us to achieve unparalleled processing efficiency and adaptability to changing industry standards and customer demands. Fundamentally, we are a process optimization company that harnesses technology to revolutionize the mortgage insurance experience and fulfill our mission.

Customer Centric

We dedicate ourselves to provide competitive pricing tailored to risk profiles. Our commitment to our partners goes beyond pricing and product offerings. We prioritize a customer-centric approach focused on meeting customer needs and enhancing their experience. This approach is underpinned by transparency throughout the process and prompt issue resolution.

Risk Management Excellence

Risk Management is our foundation. Our risk management framework uses advanced technology, innovative strategies, and modern modeling techniques to manage risks ranging from credit risk to information security risk. Our customers and partners can rely on us to handle their information with the utmost care and responsibility. Our dedication to risk management is designed to reassure our partners about our stability and reliability.

About the role

The Senior Credit Policy & Risk Analyst will play a foundational role in building and scaling Anza’s credit governance framework. Reporting to the Head of Credit Policy, this role sits at the intersection of credit policy interpretation, exception management, pricing alignment, and GSE change implementation.

This position is responsible for supporting consistent, defensible application of Anza’s underwriting and servicing guidelines while helping ensure that incremental or emerging risk is identified, escalated, and appropriately priced. The role is not limited to reviewing individual scenarios, it contributes to shaping how Anza defines and evolves its credit box and manages credit risk.

This is an opportunity to build within a growing Risk organization and to have direct visibility into how credit policy, pricing, QC, underwriting, and operational execution align to support responsible growth.

What you'll do

Credit Policy & Exception Governance

• Support the interpretation and application of Fannie Mae and Freddie Mac credit guidelines
• Analyze and document policy interpretations and true credit exceptions
• Maintain centralized decision logs and precedent tracking
• Identify emerging gray-area trends and recommend guidance updates

Pricing & Risk Alignment

• Evaluate whether policy interpretations or exceptions introduce incremental risk outside priced assumptions
• Prepare structured escalation summaries for pricing review when needed
• Monitor trends in pricing-impacting decisions

GSE Change Management

• Assist in monitoring and summarizing GSE guideline updates
• Support translation of policy changes into internal procedures and system requirements
• Maintain change logs and implementation tracking

Risk Monitoring & Reporting

• Help develop and maintain reporting on:
• • Exception volume types
  • Pricing-impacting scenarios
  • Discretionary QC feedback themes
• Identify patterns that may indicate credit box drift

Cross-Functional Collaboration

• Partner closely with Underwriting, QC, Pricing, Operations and Product teams
• Support development of scalable workflows

Qualifications

• Minimum Education- Bachelor’s Degree
• Preferred Education-Master’s Degree
• 5+ years of experience in mortgage underwriting, credit policy, QC, mortgage insurance operations, or related credit risk functions
• Strong knowledge of Fannie Mae and Freddie Mac Selling Guide requirements
• Experience evaluating layered credit risk and navigating gray-area credit decisions
• Ability to document clear, consistent policy interpretations and exception rationales
• Exposure to pricing considerations or risk-based decision frameworks
• Comfort analyzing structured data and with working knowledge of basic SQL or similar querying tools
• Strong written communication skills and ability to operate independently in a startup environment
• Collaborative mindset with experience partnering in a cross-functional operation

What We Offer

We’re committed to creating an environment where our team members can thrive both professionally and personally. We currently offer:

• Competitive Compensation – Including salary and performance bonuses.
• Comprehensive Benefits – Health, dental, vision, and mental wellness support.
• Retirement Savings – 401(k) with company matching.
• Career advancement opportunities with business growth.
• Inclusive Culture – A diverse, collaborative, and supportive workplace where every voice is valued.
• Perks & Extras – Generous PTO, team events, wellness programs, and more.