SoFi
Mortgage Underwriter
Frisco, TX
Sponsorship not specifiedDetected 6 days ago
Process ImprovementCommunicationCollaborationUnderwriting
About 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.
Responsibilities
- Perform detailed analysis of borrower credit, income, and collateral - including complex and self-employed income calculations.
- 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.
Requirements
- Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.
- Proficiency in DU, LP, and FHA Connection systems.
- Experience maintaining both quality control metrics and high production throughput.
- Experience underwriting Jumbo or USDA loans
- College degree
Nice to have
- Familiarity with Texas-specific lending nuances preferred.
Compensation
- The base pay range for this role is listed below.
- Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
Benefits
- To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
Company info
- 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.
- 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.
- 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.
- 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
- Strong analytical ability and independent risk assessment judgment.
- 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.
- Hybrid work schedule: 2 days per week in the Frisco, TX office.
- Nice-to-Haves
This listing is sourced directly from SoFi's careers page and normalized into a canonical job model.