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Who we are:
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 hiring experienced Home Equity Mortgage Underwriters to support a growing lending portfolio. This is a true full-file underwriting role with end-to-end ownership of credit, income, and collateral decisions. Underwriters 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 underwriters who are comfortable making defensible credit decisions, working in semi-manual environments, and owning the entire file — not just one segment of the process.
What you’ll do:
- Underwrite and decision home equity and mortgage loan files in accordance with SoFi, investor, and GSE guidelines.
- Perform full credit risk analysis, including borrower creditworthiness, income stability, and collateral evaluation.
- Review and analyze loan documentation including credit reports, income documentation, tax returns, appraisals, and title reports.
- Utilize DU and LP to support underwriting decisions and document rationale.
- Independently evaluate and clear underwriting conditions to maintain pipeline momentum.
- Analyze self-employed borrower income (Schedule C, K-1s, partnerships, and corporate returns).
- Identify potential risk or fraud indicators and escalate appropriately.
- Collaborate primarily with loan processors to resolve documentation gaps and drive loans to closing.
- Maintain high quality, accuracy, and compliance while meeting established production expectations.
What you’ll need:
- Minimum 2 years of recent conventional loan underwriting experience with decision-making authority.
- Hands-on experience with DU and LP.
- Demonstrated full-file underwriting experience, including appraisal and title review.
- Strong background analyzing self-employment income and complex borrower scenarios.
- Solid understanding of credit policy, underwriting guidelines, and collateral evaluation.
- Ability to render clear, well-documented, and defensible credit decisions.
- Strong communication and collaboration skills, particularly in partnership with processors.
- Comfort working in a compliance-driven, production-oriented environment.
Nice to have:
- Prior home equity underwriting experience.
- Manual or semi-manual underwriting background.
- Experience transitioning from task-based roles into true full-file ownership.
- Active CHUMS, SAR, or VA credit authority.
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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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