Job description
Kiavi, formerly known as LendingHome, is one of the largest lenders to real estate investors in the United States. With Kiavi's technology platform and innovative financing solutions, real estate investors are empowered to make informed decisions, close deals faster, and realize the full potential of their real estate investment strategies.
Founded in 2013, Kiavi is committed to helping customers revitalize approximately $25 trillion worth of aged U.S. housing stock and provide move-in ready homes and rental housing for millions of Americans across the country. We have funded $7.8 billion dollars worth of loans across about 35,000+ projects, becoming one of the nation's largest bridge loan lenders.
Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards: Best Digital Mortgage Platform, Fast Company's Most Innovative Companies, and many more.
- Loans funded: More than $7.8 billion
- Geography: Lends in 27 states plus Washington, D.C., which account for more than 80% of the nation's real estate market
- Homes financed: About 35,000
- Principal and interest returned to investors: More than $5.18 billion
- Employees: Over 400 employees
This position can be based anywhere in the United States—remote or in-office. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them. For those who prefer to work in-office, we have locations in San Francisco and Pittsburgh. We also plan to use these spaces to bring together teammates to drive creativity and innovation.
The Role:
The Credit Policy Analyst tackles challenging business problems, including credit policy development and process optimization. This role works cross-functionally with Capital Markets, Operations, Sales, Product, and many other teams to advance various business initiatives that align with department and corporate goals. This role reports to the Director of Credit Risk.
Responsibilities:
- Conduct in depth analysis on portfolio characteristics and performance trends, identify root causes of problem-areas, and create actionable recommendations.
- Define, create, and improve metrics and dashboards that accurately measure the health of the business.
- Build tools to automate and/or simplify analytics, reporting, and operational procedures.
- Analyze policy exceptions and corresponding performance data to identify trends, gaps, and opportunities for automation and scaling of best practices and decisions.
- Assist in the research, development, implementation, and execution of credit policies and procedures to support loan production.
Qualifications:
- Bachelor's degree in business or a related quantitative discipline (Math, Statistics, Economics, Finance, Physics, Computer Science).
- 2+ years' experience in an analytics role at a commercial bank, investment bank, consulting firm, technology company, or other lending institution.
- Ability to manipulate, validate, and analyze large datasets using SQL, R, or Python.
- Strong organizational skills and attention to detail.
- Ability to partner, collaborate, and communicate well with a diverse set of colleagues, both technical and non-technical, at all levels of the organization.
- An analytical mindset to think critically, problem solve, and improve upon the status quo.
Preferred Qualifications:
- Proficiency analyzing financial and real estate documentation including credit reports, title reports, appraisals, tax returns, financial statements.
- Prior experience in real estate lending (consumer mortgages, multifamily, construction, commercial).
Benefits and Perks
- Product Ownership: All employees think like an owner because all employees own equity in the company and play a critical role in making our business great.
- Health Insurance: Our medical, dental, and vision plans are completely free for employee-only coverage, and the company pays 80% of the total premium for dependents.
- Whole-Person Wellness: Anyone can schedule no-cost unlimited virtual therapy sessions, use a monthly subsidy for fitness facilities, and access reimbursements for fertility services.
- Retirement Savings. Employees who participate in our no fee 401(k) receive an immediately-vested employer match on 100% of contributions up to 3% of compensation.
- Career Growth: We foster an environment that encourages opportunities to use your voice, do better for our customers and each other, and support your career journey.
- Flexible Time Off: With no cap on the number of days of PTO each year, employees are encouraged to enjoy a well-rounded lifestyle with work, travel, and family.
- Paid Leaves: You're immediately eligible for up to 12 weeks of paid leave each year to bond with a new child (mothers & fathers) and up to 8 weeks for medical or caregiver leave so you come back ready to deliver high-impact results.
- Remote-First: We win together while still being fully remote, and each employee receives a stipend for their home office setup and a monthly allowance to help with the cost of internet/phone.
Kiavi in the News:
- Forbes: The Future Of Real Estate: Fintech 50 2019 and Real Estate on a Threshold of a Moneyball Moment
- HousingWire: 2019 HW Tech100 Winner: LendingHome
- Pittsburgh Business Times: Voted a 2019 Best Places to Work and won first runner-up in large company category
- Mortgage Professional America: LendingHome surpasses $5 billion in loans in five years
- Pittsburgh Business Times: San Francisco fintech aggressively expands, looks to hire in Pittsburgh
- Curbed: How Wall Street, Silicon Valley Institutionalized Home Flipping
