Mortgage Underwriter

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco TX or Charlotte NC. 
You’ll review and assess Conventional and FHA loan applications using independent credit judgment ensuring accuracy compliance and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit income asset and property documentation. You’ll thrive in a collaborative metrics-driven culture focused on member experience quality and accountability.

• Review and underwrite mortgage applications using investor/GSE guidelines.

• Perform detailed analysis of borrower credit income and collateral — including complex and self-employed income calculations.

• Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).

• Make timely compliant underwriting decisions in line with SoFi and investor standards.

• Manage a high-volume pipeline balancing quality (QC) and production SLAs — goal of 5+ new credit decisions per day.

• Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.

• Identify and escalate potential fraud risk or guideline exceptions.

• Apply deep working knowledge of DU/LP systems and investor overlays.

• Contribute to continuous process improvement through collaboration and feedback.
   

• Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.

• Strong analytical ability and independent risk assessment judgment.

• Proficiency in DU LP and FHA Connection systems.

• Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.

• Thorough understanding of credit policy financial statement analysis and property evaluation.

• Strong communication skills — able to explain complex scenarios clearly and professionally.

• Experience maintaining both quality control metrics and high production throughput.

• Familiarity with Texas-specific lending nuances preferred.

• Hybrid work schedule: 2 days per week in the Frisco TX office.
   

• Active SAR or VA credit authority

• Active FHA DE (Direct Endorsement) certification

• Experience underwriting Jumbo or USDA loans

• College degree

• Background in fraud detection or risk mitigation

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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