Employee Applicant Privacy Notice
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.
At SoFi, we’re under a mission to help our members achieve financial independence to realize their ambitions. Our Mortgage team is at the forefront of this, ensuring that the dream of homeownership is built on a foundation of integrity and precision.
We are looking for a Post Closing Mortgage Quality Control Analyst who possesses a keen eye for detail and a passion for "getting it right." You won't just be checking boxes; you’ll be a critical line of defense ensuring our loan files meet the highest standards of quality, compliance, and GSE requirements. If you thrive in an environment where you can navigate complex data, escalate issues with confidence, and contribute to the continuous improvement of our lending operations, we want to talk to you.
What You’ll Do:- Audit Excellence: Conduct comprehensive post-closing audits on mortgage loan files to ensure compliance with federal/state regulations, internal policies and investor guidelines. Audit Right of Rescission compliance ensuring perfect timing and disclosure to maintain 100% investor saleability.
- Financial Reconciliation: Perform detailed ALTA Settlement Statement reconciliations to ensure all fees, credits, and disbursements are accurate and documented.
- Data Integrity: Oversight of the Loan Boarding process, ensuring data transfers from the LOS to the servicing system are seamless and error-free.
- Trailing Docs & Custodial Care: Manage the quality review of trailing documents (Title Policies, Recorded Deeds of Trust) to ensure lien perfection and secondary market saleability.
- Cross-Functional Collaboration: Partner with various lines of business (Underwriting, Closing, Servicing etc.) to escalate identified defects and coordinate remediation efforts.
- Strategic Reporting: Synthesize audit findings into clear, actionable summaries for management, highlighting trends and recommending process improvements.
- Compliance Watchdog: Stay ahead of the curve on changing TRID, RESPA, and TILA regulations to ensure SoFi remains a leader in compliant lending.
- The Experience: 5+ years of experience specifically in Mortgage Post-Closing, Quality Control, or a closely related audit function with an emphasis on TRID Compliance for mortgage transactions.
- GSE Expertise: Deep familiarity with Fannie Mae and Freddie Mac selling/servicing guides.
- Technical Chops: Proficiency in Google Suite and Intermediate Excel skills (you should be comfortable with VLOOKUPs, pivot tables, and navigating large data sets).
- Analytical Mindset: The ability to spot a needle in a haystack and the persistence to see an issue through to resolution.
- Communication Skills: Strong written and verbal skills; you can explain complex compliance issues to stakeholders in a way that is easy to understand.
- Self-Starter Mentality: You’re comfortable working in a fast-paced, remote-first environment where your "owner’s mindset" helps you manage your own desk effectively.
- Education: Bachelor’s Degree in Finance, Business, or a related field.
- Specialty Loans: HELOCs, Portfolio Loans, and Closed End Second experience.
- Servicing Knowledge: Prior experience in Loan Servicing or Default Management.
- Tech Stack: Experience with Encompass or similar Loan Origination Systems (LOS). ACES Quality Management (including checklist creation) and MSP experience is also a plus.
Skills Required
- 5+ years of experience in Mortgage Post-Closing or Quality Control
- Familiarity with TRID Compliance for mortgage transactions
- Proficiency in Google Suite and Intermediate Excel skills
- Strong written and verbal communication skills
What the Team is Saying
SoFi Compensation & Benefits Highlights
-
Healthcare Strength — Benefits materials describe comprehensive medical, dental, and vision coverage with mental‑health support, EAP, and wellness programs. Feedback suggests some plans include options with 100% company‑paid premiums.
-
Parental & Family Support — Parental and family supports include up to 12 weeks fully paid parental leave, fertility/adoption resources, and subsidized backup child and elder care. Pet insurance is also available.
-
Leave & Time Off Breadth — Time away benefits include flexible vacation for exempt employees, generous PTO/sick time for non‑exempt staff, and paid holidays. Early‑release “SoFi Fridays” are also cited.
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.
Gallery
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!
