NC - Charlotte UT - Cottonwood Heights TX - Frisco Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role SoFi is seeking a DE-Certified Mortgage Underwriter passionate about making sound credit decisions and helping members achieve their homeownership goals. You'll review and assess mortgage applications across Conventional and Government products, applying independent judgment and risk analysis in a fast-paced, high-throughput environment. The ideal candidate brings recent Conventional production experience, confidence in self-employment income analysis (including liquidity testing using Schedule L), and a proactive approach to collaboration with loan originators and operations teams. What You’ll Do Review and evaluate mortgage applications, financial documentation, and property data to determine borrower eligibility and credit risk. Perform detailed analysis of income — including complex and self-employment scenarios — and apply liquidity testing for business entities. Make timely, accurate underwriting decisions in line with SoFi, GSE, and investor guidelines. Manage a high-volume pipeline while maintaining consistent quality and SLA standards (target ≥ 4 initial credit decisions per day; 5–6 is strong). Apply independent judgment to interpret GSE, investor, and agency overlays. Collaborate closely with processors and loan officers to obtain and verify documentation. Identify and escape potential fraud or quality concerns. Maintain high accuracy and compliance while balancing efficiency and throughput. What You’ll Need Minimum 2+ years of recent Conventional loan underwriting experience. Strong understanding of credit policy, financial statement analysis, and property evaluation. Proficiency with DU and LP automated underwriting systems. Demonstrated ability to analyze self-employment income and perform liquidity tests using Schedule L (understanding treatment of inventory-heavy businesses). Ability to evaluate and communicate complex credit scenarios with clarity and professionalism. Experience maintaining production and quality control standards in a high-volume environment. Strong collaboration and communication skills; able to work independently while partnering cross-functionally. Hybrid work schedule – 2 days per week in the Frisco, TX office. Nice-to-Haves Active CHUMS #, SAR, or VA credit authority. Experience in Jumbo, FHA, VA, or USDA underwriting. Proven record identifying and mitigating fraud risk. Exposure to investor guideline interpretation and secondary market practices. Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. To view all of our comprehensiveand competitive benefits, visit our Benefits at SoFi page! Pay range: $38.80 - $72.75 Payment frequency: Hourly This role is also eligible for a bonus and competitive benefits. More information about our employee benefits can be found in the link above. SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected]. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles. Apply for this position Home Loans 3 Locations Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. ( ) ✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. #J-18808-Ljbffr Social Finance, Inc. (SoFi)
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