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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.
SoFi is seeking a DE-Certified Mortgage Underwriter passionate about making sound credit decisions and helping members achieve their homeownership goals.
You’ll review and assess mortgage applications across Conventional and Government products, applying independent judgment and risk analysis in a fast-paced, high-throughput environment.
The ideal candidate brings recent Conventional production experience, confidence in self-employment income analysis (including liquidity testing using Schedule L), and a proactive approach to collaboration with loan originators and operations teams.
What You’ll Do
Review and evaluate mortgage applications, financial documentation, and property data to determine borrower eligibility and credit risk.
Perform detailed analysis of income — including complex and self-employment scenarios — and apply liquidity testing for business entities.
Make timely, accurate underwriting decisions in line with SoFi, GSE, and investor guidelines.
Manage a high-volume pipeline while maintaining consistent quality and SLA standards (target ≥ 4 initial credit decisions per day; 5–6 is strong).
Apply independent judgment to interpret GSE, investor, and agency overlays.
Collaborate closely with processors and loan officers to obtain and verify documentation.
Identify and escalate potential fraud or quality concerns.
Maintain high accuracy and compliance while balancing efficiency and throughput.
What You’ll Need
Minimum 2+ years of recent Conventional loan underwriting experience.
Active FHA DE (Direct Endorsement) certification required.
Strong understanding of credit policy, financial statement analysis, and property evaluation.
Proficiency with DU and LP automated underwriting systems.
Demonstrated ability to analyze self-employment income and perform liquidity tests using Schedule L (understanding treatment of inventory-heavy businesses).
Ability to evaluate and communicate complex credit scenarios with clarity and professionalism.
Experience maintaining production and quality control standards in a high-volume environment.
Strong collaboration and communication skills; able to work independently while partnering cross-functionally.
Hybrid work schedule – 2 days per week in the Frisco, TX office.
Nice-to-Haves
Active CHUMS #, SAR, or VA credit authority.
College degree.
Experience in Jumbo, FHA, VA, or USDA underwriting.
Proven record identifying and mitigating fraud risk.
Exposure to investor guideline interpretation and secondary market practices.
Top Skills
What the Team is Saying
What We Do
For over a decade, SoFi has helped transform the Fintech industry by creating financial products and services that help people borrow, save, spend, invest, and protect their money better, so they can achieve financial independence and realize their ambitions. Whether it’s owning a home, saving for retirement, paying off their student loans, or helping our members invest - SoFi is there every step of the way. Want to learn more about how it works? Check it out here: https://www.sofi.com/how-it-works/
Our core values are at the center of how we help our millions of members get their money right. They are our guiding principles for how we think about serving our members, building our company, and most importantly, how we work together. At SoFi, it’s not just what we do - but how we do it.
SoFi is also proud to be the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
For more information, visit SoFi.com
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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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!
