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SoFi is hiring an experienced Home Equity Underwriter to support a growing lending portfolio. This is a true full-file underwriting role with end-to-end ownership of credit, income, assets, collateral, conditions, and final underwriting decisions. The underwriter will partner closely with processors to move loans efficiently from review through clear-to-close while maintaining strong quality, compliance, and risk discipline.
This role is best suited for an underwriter who is comfortable exercising independent credit judgment in a manual or semi-manual environment and owning the entire file—not just one segment of the process.
What you’ll do:Underwrite and decision Home Equity loan files in accordance with SoFi policies and applicable investor and regulatory guidelines.
Perform full credit risk analysis, including borrower creditworthiness, income stability, assets, and collateral.
Review and analyze credit reports, income and asset documentation, tax returns, appraisals, title reports, and other loan documentation.
Apply independent credit judgment in a manual or semi-manual underwriting environment.
Independently evaluate and clear underwriting conditions to maintain pipeline momentum.
Analyze self-employed borrower income, including Schedule C, K-1s, partnerships, corporate returns, and business tax returns.
Identify potential risk, fraud, or documentation concerns and escalate appropriately.
Collaborate closely with loan processors to resolve documentation gaps and move loans toward closing.
Make clear, well-documented, and defensible approval, suspension, or decline decisions.
Meet established production, turn-time, quality, accuracy, and compliance expectations.
What you’ll need:
Minimum 2 years of recent conventional mortgage underwriting experience with direct decision-making authority.
Demonstrated full-file underwriting ownership across credit, income, assets, collateral, conditions, and final decisions.
Direct appraisal and title review experience.
Strong experience analyzing self-employed income and complex borrower scenarios.
Ability to independently evaluate and clear underwriting conditions.
Strong understanding of credit policy, underwriting guidelines, collateral evaluation, and risk assessment.
Experience working in a compliance-driven, production-oriented environment with accountability for quality and turn times.
Strong communication and collaboration skills, particularly when partnering with processors.
Ability to work standard business hours aligned with Central Time.
Ability to work from the Frisco, Texas office 1–2 days per week.
Nice to have:
Home Equity, HELOC, or second-lien underwriting experience.
Manual or semi-manual underwriting experience.
Experience with complex borrower, collateral, or lien-position scenarios.
High-volume production underwriting experience.
DU/LP experience as supporting conventional underwriting exposure.
CHUMS, SAR, or VA credit authority.
Skills Required
- Minimum 2 years of conventional loan underwriting experience
- Strong credit, risk analysis, and analytical skills
- Experience analyzing self-employment income, including Schedule C, K-1, and corporate returns
- Experience reviewing full appraisals and title reports
- Thorough knowledge of credit policy, underwriting guidelines, and property evaluation
- Ability to review loan documentation for accuracy and completeness
- Excellent communication and collaboration skills with processors and production staff
- Ability to work hybrid in Charlotte, North Carolina or Frisco, Texas, approximately 1–2 days per week
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Core coverage is described as comprehensive—medical, dental, and vision—along with company‑paid life and disability insurance, HSA/FSA options, and access to mental‑health support including therapy sessions and EAP resources. Materials also note heavily subsidized U.S. medical premiums and no‑cost digital mental‑health care.
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Parental & Family Support — Public benefits list up to 12 weeks of fully paid parental leave, plus fertility/adoption/surrogacy support, paid caregiver leave, and subsidized backup child/elder care. Pet insurance and related family‑oriented resources are also highlighted.
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Affordable Benefits — Benefits pages describe significantly subsidized medical coverage, 100% employer‑paid premiums for certain dental/vision plans, and employer HSA contributions on HDHP options. These features point to lower out‑of‑pocket costs for several core benefits.
SoFi Insights
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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