Home Equity Underwriter

The role:

SoFi is seeking experienced Underwriters to review and decision home equity and mortgage loan applications. This role requires sound judgment, strong analytical ability, and a deep understanding of credit risk, collateral evaluation, and program guidelines. You’ll work closely with processors to ensure each file is complete, accurate, and ready for closing — while maintaining a positive, collaborative work environment.

What you’ll do: 

• Review loan applications, credit reports, appraisals, income, and other supporting documentation to determine risk and eligibility within program guidelines.
• Evaluate and clear stipulations and conditions promptly to maintain file momentum.
• Analyze complex loan packages to render accurate, defensible credit decisions.
• Ensure quality and compliance with company, investor, and GSE standards while meeting production targets.
• Communicate clearly with loan originators and processors to obtain any missing or clarifying documentation.
• Interpret and apply Fannie Mae, Freddie Mac, and investor-specific guidelines.
• Identify potential fraud indicators and escalate as appropriate.

What you’ll need:

• Minimum 2 years of conventional loan underwriting experience.
• Strong credit, risk analysis, and analytical skills.
• Proficiency with DU and LP.
• Experience analyzing self-employment income (Schedule C, K-1, 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; able to partner effectively with processors and production staff.
• Hybrid role with in-office collaboration in Charlotte, NC (approximately 1–2 days per week).

Nice to have:

• Home equity or manual underwriting experience.
• Active CHUMS #, SAR, or VA credit authority.