Mortgage Underwriter

Employee Applicant Privacy Notice Who we are: 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. 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 pe…