The role:

SoFi is seeking experienced Underwriters to review and decision 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 escalate as appropriate.

What you’ll need:

• Minimum 2 years of conventional loan underwriting experience.
• Strong credit, risk analysis, and analytical skills.
• 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 or Frisco, TX (approximately 1–2 days per week).

The role:

The closing team schedules all the closings with our members and works directly with title to speed the process along.

What you’ll do:

• Ensure files and documents meet company, investor, and compliance requirements.
• Confirm that documents are drawn within posted turn times and consistently meet deadlines.
• Process a minimum of 3 files per day during normal business operations. Adhere to fluctuating file processing minimums as set by management.
• Reconcile and approve Closing Disclosure.
• Schedule loan closings with the borrower.
• Prepare closing documents.
• Develop in-depth knowledge of the entire loan life cycle in order to fully understand the implications of the work of the closing function.
• Accurately file documents and information in the system and ensure all information is complete and accurate. Use checklists and other job aides as necessary to accurately complete all required information.
• Coordinate and communicate with processing, underwriting, and post-closing departments for correcting and completing the closing.

What you’ll need:

• Minimum 2-3 years of Closing experience  
• Knowledge of TRID guidelines
• Conventional, FHA/VA, Home Equity experience a plus 
• Knowledge of Encompass is preferred
• Must be detail-oriented, committed to accuracy with a strong sense of urgency
• Strong written and oral communication skills
• Ability to work independently, multitask, and prioritize to meet deadlines

The role

The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. This role requires meticulous attention to detail, strong organizational skills, and the ability to work independently in a fast-paced environment. The ideal candidate will have experience in the mortgage industry, proficiency in relevant software, and the ability to serve as a critical point of contact for both internal teams and external stakeholders.

What you'll do:

• Enforce Lock Desk policy & procedures.
• Assist the company’s loan officers with rate lock maintenance, loan re-prices, and general Lock.
• Monitor and track Best Effort rate locks with investors.
• Confirm loan pricing accuracy and profitability.
• Conduct systematic data entry for all interest rate lock requests and re-prices.
• Act as the main point of contact for escalation scenarios.
• Process Change of Circumstances, Loan Concessions, Lock Scrubs, and Lock Extensions.
• Monitor various shared email in-boxes and perform work within SLA.
• Act as a primary point of contact with the Loan Setup Client Experience Team to ensure loan terms are compliant.
• Ensure the accuracy of fees; create a file structure for outbound disclosures.
• Monitor robotics outcome reports and scrub loans that fail to queue back up for automation or work manually.
• Coach, train, and educate teammates who are newly onboarded.

What you'll need:

• A four-year college degree in Finance, Economics, or another related field is preferred
• 2+ years in the mortgage industry preferred
• 2 + years of Encompass experience
• 2+ years of Optimal Blue experience
• Microsoft Excel proficiency
• General knowledge of financial markets
• Knowledge of TRID guidelines
• Ability to work quickly, accurately, and independently in a very fast-paced environment
• Comfortable working under a high level of confidentiality
• Detail-oriented and strong time management / organizational skills

The role:

The Appraisal Orders Analyst supports internal loan teams by managing the end-to-end appraisal order process to ensure timely, accurate, and compliant execution. This role exists to keep appraisal workflows moving efficiently by monitoring active orders, coordinating with Appraisal Management Companies (AMCs), and proactively addressing risks that could delay loan closings.

Reporting to the Appraisal Orders Manager, the analyst serves as a key operational partner to loan teams by maintaining visibility into appraisal status, enforcing policy, and escalating issues before they impact service levels or borrower experience.

What you’ll do: 

• Enforce Appraisal Orders policy, currently governed under the Lock Desk Policy and Procedures.
• Manage appraisal orders using Reggora, the Appraisal Orders shared inbox, and applicable Encompass pipelines to support efficient file movement.
• Monitor active appraisal pipelines to identify orders at risk and proactively escalate delays or issues to the appropriate internal teams or vendors.
•  
• Serve as a first point of contact between Appraisal Management Companies (AMCs) and internal loan teams to resolve questions, issues, or discrepancies.
• Assist internal partners with FHA and VA case number transfers, appraisal transfers, credit card refund and charge requests, and appraisal-related escalations.
• Monitor the shared Appraisal Orders email inbox to ensure requests are addressed within established SLAs and team performance standards are met.
• Ensure appraisal fees are accurate and orders are placed and delivered in a timely manner with approved AMCs.
• Review and respond to Reggora messages to support timely appraisal delivery and issue resolution.
• Maintain a high level of accuracy, organization, and confidentiality while managing an assigned appraisal pipeline.

This is a hybrid role requiring two days per week in the Charlotte, NC  or Frisco, TX office. The position is Monday through Friday, 40 hours per week, with overtime available based on business volume.

What you’ll need:

• Proficiency in Microsoft Excel and comfort working across multiple systems and pipelines.
• Ability to work quickly, accurately, and independently in a fast-paced, deadline-driven environment.
• Experience managing sensitive information and working under a high level of confidentiality.
• Ability to manage an assigned pipeline that includes FHA and VA loan products.
• Strong attention to detail with effective time management and organizational skills.
• Excellent verbal, written, and interpersonal communication skills, with the ability to collaborate across teams.

The role:

The Pre-Approval Specialist is responsible for providing exceptional customer service, file quality, and adhering to the agreed upon Service Level Agreement (SLA) while processing borrower documents. This is accomplished by obtaining and verifying necessary documentation for underwriting the loan file and communicating directly with borrowers, third-party vendors, and/or loan officers to obtain documentation for initial loan approval.

What You’ll Do: 

• Communicate with borrowers and various third-party companies to obtain and review required minimum document requirements and vendor information including, but not limited to: income and disclosure documents, verification of employment, tax transcripts, financial/bank statements, and ordering updates to FHA and VA case numbers as needed
• Verify vendor orders are completed and returned, and invoices are received and documented
• Verify all required documentation in the file is complete and accurate before submitting to underwriting
• Responsible for handing over a completely documented file to the Underwriter which is ready for initial underwriting
• Complete required loan submission checklists
• Manage pipeline within allotted turn times
• Document all communication related to the loan application in the conversation log.
• Perform other duties as assigned or required

What You’ll Need:

• Minimum of 1 year of experience in the mortgage industry
• Ability to calculate income and review credit report experience
• Ability to communicate with borrowers 
• Knowledge of mortgage guidelines 
• Strong math and analytical skills
• Excellent written and verbal communication skills
• Ability to prioritize and meet deadlines
• Available to work varying hours and overtime if needed
• Knowledge of Microsoft suite (Windows) and Google suite (Google Docs, Sheets, etc.) 
• High School Diploma or GED
• Mortgage experience is strongly preferred

The Role

SoFi is seeking a dynamic Underwriting leader to join our Frisco, TX management team to build the future of home lending. In this high-impact role, you will lead our strategic expansion by recruiting, onboarding, and leading an elite team of underwriters for Conventional, Government, Jumbo, Portfolio, and Non-QM home loans. You are responsible for ensuring every decision delivers quality and accuracy. You will also contribute to our technology roadmap and manage the digital tools that drive industry-leading speed and service. This is a rare opportunity to move beyond the routine to engineer a high-performance department within a fast-paced, innovative culture.

What You’ll Do

• Build and Lead: Recruit, onboard, and mentor an underwriting team, fostering a high-performance culture that aligns with SoFi’s values and behavioral expectations.
• Strategic Oversight: Manage the underwriting lifecycle for a diverse product suite to ensure every decision meets quality and accuracy standards.
• Authority and Calibration: Establish and allocate underwriting authority levels for staff, while personally providing expert review and approval for highly complex or high-exposure cases.
• Performance Optimization: Train and coach the team to consistently exceed production and quality goals, utilizing data-driven insights to balance industry-leading speed and precision.
• Tech Roadmap Influence: Partner with product and engineering teams to influence the technology roadmap, adopting and managing the digital tools necessary to automate and streamline the underwriting process.
• Cross-Functional Synergy: Build and maintain strong partnerships across Sales, Credit, Risk and Operations to influence workflows, resolve bottlenecks, and achieve organizational goals.
• Risk and Quality Control: Monitor Quality Control reports to identify error trends and implement corrective action plans, ensuring all guidelines remain compliant with GSE and investor requirements.

What You’ll Need

• 8+ years of mortgage underwriting experience.
• 5+ years of experience in leading Mortgage Underwriting Teams.
• Experience underwriting jumbo, high net work, and complex credits with relevant approval authorities
• Knowledge of federal, state, and FDIC real estate regulations and statutes
• Comprehensive knowledge of mortgage products, services, and industry trends.
• Excellent written, spoken, active listening, and interpersonal communication skills with a high level of diplomacy in directing production staff.
• Strong motivation and management skills required to lead an experienced mortgage underwriting team, geared to meet production and quality goals.
• Critical decision-making skills and sound judgment to address and resolve issues.
• Technical proficiency with a high-level knowledge of computer systems including Encompass and Microsoft Office applications including Outlook, Word, and Excel.
• Effective time management skills include prioritizing responsibilities and organizing work tasks.

• Lead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives.
• Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control practices.
• Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments.
• Oversee the roadmap for credit automation and decisioning logic to enable efficient, consistent underwriting outcomes.

• Serve as the primary liaison between Credit Risk, Capital Markets, Product, and Operations to align on policy design, implementation, and investor acceptance.
• Represent Credit Policy in governance committees, product development discussions, and cross-functional steering groups.
• Provide executive-level insights on credit trends, investor changes, and policy performance metrics.

• Direct the translation of credit policy into executable business rules within systems such as Encompass LOS and credit decisioning engines.
• Oversee UAT, policy-driven releases, and control validation to ensure digital accuracy and audit compliance.
• Ensure policy language and logic are harmonized across internal guides, overlays, and automated systems.

• Establish and maintain strong governance around policy management, including audit trails, documentation, and version tracking.
• Oversee investor guideline vetting, agency updates, and compliance acceptability reviews.
• Partner with Internal Audit and Enterprise Risk to ensure controls are effective and deficiencies are remediated promptly.
• Lead responses to external reviews, investor inquiries, and audit examinations related to credit policy.

• Provide mentorship and direction to policy analysts and cross-functional partners supporting policy execution.
• Foster a culture of curiosity, accountability, and precision within the credit policy function.
• Build scalable processes and tools to improve policy delivery speed and accuracy.

• Bachelor’s degree or equivalent experience
• 8+ years of residential mortgage experience, including deep expertise in underwriting, credit policy, or credit risk management
• Proven experience leading or influencing credit policy frameworks across multiple mortgage product lines (Conventional, FHA, VA, USDA, Home Equity, Non-Agency, Non-QM)
• Demonstrated success in translating complex investor requirements into automated decision logic and operational guidelines
• Strong understanding of credit risk management principles, income and asset analysis, and regulatory compliance
• Experience working with Encompass LOS and credit decisioning systems
• Excellent communication and presentation skills with the ability to engage senior stakeholders and external investors
• Exceptional organizational, documentation, and leadership abilities

• Experience leading policy modernization or digital transformation initiatives in mortgage credit
• Familiarity with model governance, risk control frameworks, and policy automation technologies
• Strong analytical and data fluency using Excel, Tableau, or similar tools
• Demonstrated ability to influence executive decision-making through data-driven recommendations

The Role

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX.
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 4–6 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

The role:

As a Home Loan Member Advocate III working in a mortgage environment, you will perform multiple duties while in this role which include Retention, Loan Restructure, and Customer Service efforts. You will utilize your customer service and sales skills to make outbound calls to existing SoFi Members and provide the customer with an appropriate resolution/offer that will retain their business. You will also utilize your customer service, product knowledge and sales skills to work with loan files that need to be restructured to meet agency guidelines and to make outbound calls to borrowers to review any needed changes.

What you’ll do: 

Retention:

• Identify sales opportunities while servicing customers in order to retain business
• Work with management to create, optimize, and evolve retention strategies to keep clients in the future
• Work closely with secondary markets to ensure minimum company profitability margins are still met while retaining existing borrowers
• Identify areas of customer improvement
• Evaluate the customer service experience
• Develop an understanding of what is needed to create a great client experience
• Provide direct feedback to management to ensure sales and operations teams are providing excellent customer service
• Evaluate program results and optimize as needed with management

Loan Restructure:

• Identify and address loan guideline fails
• Work directly with borrower and operations team to ensure the restructured loan is successfully delivered to our borrower and terms are agreed upon
• Work closely with processing, sales, and secondary to minimize customer engagement and maximize the overall customer experience with limited delays and contact
• Identify areas of customer improvement
• Optimize the customer service experience
• Develop an understanding of what is needed to create a great client experience
• Provide direct feedback to management to ensure sales and operations teams are providing excellent customer service
• Evaluate program results and optimize as needed with management
• Improve lock-to-fund conversions by managing escalated files and bringing resolution with improved cycle times

What you’ll need:

• Bachelor’s Degree and 2 years of proven sales experience in the mortgage industry as a licensed loan officer
• NMLS licensing is required.
• Knowledge of Fannie Mae, Freddie Mac, VA and FHA Guidelines (Jumbo a plus)
• Ability to maintain a pipeline of 15-25 loans of mixed variety
• Excellent oral and written communication skills
• Works well under pressure and requires minimal supervision to perform basic job functions
• Has an eagerness to delight clients throughout the loan process
• Multiple existing state licenses are preferred but not required.  Employer will offer additional license opportunities.  Applicant must meet minimum requirements for states to include; background checks, fingerprints, and continuing education.

Nice to have:

• Knowledge of Encompass LOS and Optimal Blue
• Experience with Day One Certainty Validations, HomeReady and HomePath products