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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 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.
- 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 or Frisco, TX (approximately 1–2 days per week).
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Comprehensive medical, dental, and vision plans are paired with mental-health coaching/therapy, EAP access, and wellness programs, with options noted for low or fully covered premiums. Company-paid life and disability insurance further strengthen core protection.
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Parental & Family Support — Up to 12 weeks fully paid parental leave is complemented by fertility/adoption resources, subsidized back-up child/elder care, caregiver leave, and pet insurance. A 2026 program also matches a new federal $1,000 seed for eligible children’s investment accounts.
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Leave & Time Off Breadth — Exempt employees have flexible/unlimited vacation alongside early-release “SoFi Fridays,” while non-exempt employees receive generous vacation and sick time. Paid volunteer time and role-appropriate leave options extend time-away coverage.
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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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SoFi Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
