Home Equity Underwriter Charlotte, NC
Social Finance, Inc. (SoFi), Charlotte, NC, United States
The role
SoFi is seeking experienced Underwriters to review and make decisions on 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. You’ll 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 any 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 $38.80 – $72.75 per hour. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills and location.
This role is also eligible for a bonus and competitive benefits.
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status or any other basis prohibited by applicable state or federal law.
We comply with the San Francisco Fair Chance Ordinance and consider for employment qualified applicants with arrest and conviction records.
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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 any 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 $38.80 – $72.75 per hour. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills and location.
This role is also eligible for a bonus and competitive benefits.
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status or any other basis prohibited by applicable state or federal law.
We comply with the San Francisco Fair Chance Ordinance and consider for employment qualified applicants with arrest and conviction records.
#J-18808-Ljbffr