Mortgage Underwriter

The Role

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.

What You’ll Do

• 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.
   

What You’ll Need

• 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.
   

Nice-to-Haves

• 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