Home Equity Underwriter
SoFi, Charlotte, NC, United States
SoFi Underwriter – Home Equity & Mortgage
SoFi is seeking experienced Underwriters to review and decide home equity and mortgage loan applications. This role requires sound judgment, strong analytical ability, and a deep understanding of credit risk, collateral evaluation, and program guidelines.
Work closely with processors to ensure each file is complete, accurate, and ready for closing while maintaining a positive, collaborative work environment.
What You’ll Do
Review loan applications, credit reports, appraisals, income and other supporting documentation to determine risk and eligibility within program guidelines.
Evaluate and clear stipulations and conditions promptly to maintain file momentum.
Analyze complex loan packages to render accurate, defensible credit decisions.
Ensure quality and compliance with company, investor and GSE standards while meeting production targets.
Communicate clearly with loan originators and processors to obtain missing or clarifying documentation.
Interpret and apply Fannie Mae, Freddie Mac, and investor‑specific guidelines.
Identify potential fraud indicators and elevate as appropriate.
What You’ll Need
Minimum 2 years of conventional loan underwriting experience.
Strong credit, risk analysis, and analytical skills.
Proficiency with DU and LP.
Experience analyzing self‑employment income (Schedule C, K‑1, corporate returns).
Experience reviewing full appraisals and title reports.
Thorough knowledge of credit policy, underwriting guidelines and property evaluation; ability to review loan documentation for accuracy and completeness.
Excellent communication and collaboration skills; able to partner effectively with processors and production staff.
Hybrid role with in‑office collaboration in Charlotte, NC (approximately 1–2 days per week).
Nice to Have
Home equity or manual underwriting experience.
Active CHUMS #, SAR, or VA credit authority.
Compensation and Benefits 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.
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, gender identity, national origin, age, disability, marital status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights. SoFi is committed to an inclusive culture and offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
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Work closely with processors to ensure each file is complete, accurate, and ready for closing while maintaining a positive, collaborative work environment.
What You’ll Do
Review loan applications, credit reports, appraisals, income and other supporting documentation to determine risk and eligibility within program guidelines.
Evaluate and clear stipulations and conditions promptly to maintain file momentum.
Analyze complex loan packages to render accurate, defensible credit decisions.
Ensure quality and compliance with company, investor and GSE standards while meeting production targets.
Communicate clearly with loan originators and processors to obtain missing or clarifying documentation.
Interpret and apply Fannie Mae, Freddie Mac, and investor‑specific guidelines.
Identify potential fraud indicators and elevate as appropriate.
What You’ll Need
Minimum 2 years of conventional loan underwriting experience.
Strong credit, risk analysis, and analytical skills.
Proficiency with DU and LP.
Experience analyzing self‑employment income (Schedule C, K‑1, corporate returns).
Experience reviewing full appraisals and title reports.
Thorough knowledge of credit policy, underwriting guidelines and property evaluation; ability to review loan documentation for accuracy and completeness.
Excellent communication and collaboration skills; able to partner effectively with processors and production staff.
Hybrid role with in‑office collaboration in Charlotte, NC (approximately 1–2 days per week).
Nice to Have
Home equity or manual underwriting experience.
Active CHUMS #, SAR, or VA credit authority.
Compensation and Benefits 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.
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, gender identity, national origin, age, disability, marital status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights. SoFi is committed to an inclusive culture and offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
#J-18808-Ljbffr