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:

SoFi Mortgage is seeking a proactive and detail-oriented Production Assistant to provide essential support to our loan officers in managing the loan origination process. The Production Assistant will play a critical role in gathering borrower information, preparing loan files, and ensuring a seamless experience for clients. The successful candidate will have strong organizational skills, effective communication abilities, and a passion for customer service.

What you’ll do: 

The Production Assistant pulls and analyzes customer credit, reviews income, asset documents and understands how to structure a loan. This position also involves running DU, stacking and submitting files, requesting and clearing underwriting conditions, as well as communicating with borrowers and realtors. Primary contact between clients and Loan Originators. Taking application information over the phone and scheduling appointments. Track all requested documents in Encompass and/or Salesforce. Review received documentation within 24 hours for discrepancies, omissions, asset and income verification and Encompass updates based on verified information. Work with Mortgage Loan Originators to resolve any problems with files and documents. Comply with Company policy and procedures to ensure all files are complete. Attend team meetings. Comply with applicable state and federal compliance guidelines.

What you’ll need:

• Two years of professional office experience
• One year of mortgage or banking industry experience
• NMLS License Required under the terms of the S.A.F.E. Act of 2008 (“SAFE Act”) 
• General knowledge of FNMA, FHLMC, FHA and VA guidelines
• Prior Encompass LOS system experience or other mortgage processing software
• Proficient in Google docs 
• Excellent organizational skills and attention to detail
• Ability to manage multiple tasks/projects and deadlines simultaneously
• Excellent communication skills

Nice to have:

• Working knowledge of Encompass, Blend and/or SalesForce. 
• 1+ years of origination experience
• National and any state level NMLS licensing in the past 12 months  

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:

We are seeking a detail-oriented and highly organized Post Closer to join our dynamic team. The ideal candidate will be responsible for ensuring the accuracy and completeness of all loan documents post-closing, facilitating the timely delivery of loan packages to investors, and maintaining compliance with all regulatory and company standards.

What you’ll do: 

• Document Review: Thoroughly review all post-closing loan documents to ensure accuracy, completeness, and compliance with company policies and regulatory requirements.

• Loan Package Submission: Prepare and deliver final loan packages to investors and other stakeholders within specified timeframes.

• Data Entry and Maintenance: Accurately enter and maintain loan information in the company’s loan processing system.

• Communication: Serve as the primary point of contact for internal and external parties regarding post-closing documentation and issues.

• Issue Resolution: Identify, address, and resolve any discrepancies or issues with post-closing documents to ensure timely and accurate submission.

• Compliance: Stay updated with changes in mortgage regulations and ensure all post-closing activities comply with federal, state, and company policies.

• Quality Control: Perform quality control reviews on closed loan files to ensure they meet investor and regulatory guidelines.

• File Management: Maintain organized and efficient filing systems for all post-closing loan documents.

• Reporting: Generate and analyze reports related to post-closing activities and performance metrics.

What you’ll need:

• Minimum of 3 years of experience in mortgage post-closing, loan processing, or a related field

• High school diploma or equivalent required; associate or bachelor's degree in business, finance, or a related field preferred.

• Strong attention to detail and organizational skills.

• Excellent communication and interpersonal abilities.

• Proficiency in mortgage software and MS Office applications (Word, Excel, Outlook).

• Ability to manage multiple tasks and deadlines in a fast-paced environment.

• Problem-solving skills and the ability to handle complex issues with minimal supervision.

• Knowledge: In-depth understanding of mortgage loan processing, post-closing procedures, and regulatory requirements.

• 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

Position Summary

The Mortgage Quality Control Analyst is responsible for performing in-depth reviews of mortgage loan files to ensure compliance with federal and state regulations, agency/investor guidelines, and internal company policies. This role identifies defects, documents findings, and provides insights to help improve loan quality and reduce organizational risk. The QA Analyst collaborates with Underwriting, Operations, and Compliance teams to resolve issues and support continuous quality improvement.

Key Responsibilities

Loan File Auditing

• Conduct detailed pre-funding, post-closing, or targeted audits of mortgage loan files. 

• Validate accuracy of loan data, documentation, disclosures, and calculations.

• Ensure compliance with federal and state regulations (TRID, RESPA, TILA, ATR/QM, HMDA) and agency/investor requirements (Fannie Mae, Freddie Mac, FHA, VA, USDA).

• Document findings clearly and consistently, including supporting evidence and guideline references.

Quality & Compliance Review

• Identify defects, inconsistencies, and risk factors that may impact loan salability or regulatory compliance.

• Escalate complex or high-risk issues to the QA Team Lead or Manager.

• Participate in calibration sessions to ensure consistent application of guidelines.

• Support quality control checks or second-level reviews as needed.

Reporting & Documentation

• Record audit results accurately in QA systems and tracking tools.

• Assist in analyzing trends, recurring issues, and systemic risks.

• Provide clear, concise feedback to Operations and Underwriting to support corrective actions.

• Contribute to monthly/quarterly reporting as requested.
   

Collaboration & Support

• Work closely with Underwriters, Processors, Loan Officers, and Compliance partners to clarify guidelines and resolve issues.

• Provide feedback that supports training initiatives or process improvements.

• Maintain up-to-date knowledge of regulatory changes and investor updates.
   

Qualifications

• High school diploma required; Bachelor’s degree in Business, Finance, or related field preferred.

• 2–5+ years of mortgage industry experience in processing, underwriting, or quality assurance.

• Strong knowledge of mortgage regulations and agency/investor guidelines (Conventional, FHA, VA, USDA).

• Excellent attention to detail, with strong analytical and critical-thinking skills.

• Strong written and verbal communication skills.

• Proficiency in mortgage LOS systems, QC/QA platforms, and Microsoft Office Suite.

• Ability to work independently, manage priorities, and meet deadlines.
   

Key Competencies

• Regulatory & Investor Guideline Knowledge

• Risk Identification

• Documentation & Analytical Skills

• Attention to Detail

• Communication & Collaboration

• Problem-Solving

• Time Management
   

The role:

The Sales Enablement Operations Manager supports the Home Loans organization by owning the operational execution of sales enablement programs that drive loan production, improve sales efficiency, and strengthen relationships with real estate partners. This role exists to ensure loan officers have timely access to compliant tools, resources, events, and marketing support needed to grow referral volume and execute effectively in local markets.

The role partners closely with Sales Enablement, Marketing, and Sales Leadership to operationalize enablement strategies, manage sales-related events and brand activations, support social selling and marketing initiatives, and assist with onboarding and administrative enablement activities.

What you’ll do: 

Event & Brand Activation Operations

• Own execution of local market events and tradeshows that support brand awareness and real estate partner engagement

• Manage end-to-end event logistics, including booth coordination, vendor management, signage, food and beverage, and on-site execution

• Identify and execute creative in-market brand activation opportunities aligned to existing events and partnerships

• Support client appreciation events and local sponsorship activations

• Document networking interactions and coordinate post-event follow-up activities, including debriefs and lead engagement support
   

Social Selling & Digital Enablement

• Curate and distribute approved social media content for loan officers across platforms such as LinkedIn, Facebook, and Instagram

• Serve as an initial point of contact for loan officers needing guidance on social selling tools, best practices, and content usage

• Monitor industry and social media trends within real estate and mortgage markets and prepare summaries for internal stakeholders
   

Marketing & Sales Support

• Partner with loan officers on market-specific collateral requests to support events, real estate partners, seminars, sponsorships, and local initiatives

• Coordinate execution of sales contests and incentive programs in alignment with Home Loans strategy teams

• Facilitate updates to loan officer web pages and Home Loans landing pages by coordinating with corporate marketing and following established governance processes

• Assist with tracking and reporting on marketing and enablement performance metrics
   

Onboarding & Administrative Enablement

• Support onboarding of new loan officers by partnering with training teams to ensure access to tools, resources, and enablement materials

• Develop and maintain relationships with real estate brokerages and associations to support recruiting and market expansion efforts

• Collaborate with sales leadership to understand recruitment needs and support targeted recruiting initiatives

• Participate in interviews and candidate assessments as requested by Sales Enablement leadership

What you’ll need:

• Bachelor’s degree in Marketing, Business Administration, or a related field, or equivalent professional experience

• 5–7 years of directly relevant experience in sales enablement operations, marketing operations, event management, or related roles

• Experience managing multiple priorities in a fast-paced, deadline-driven environment

• Strong organizational, project management, and communication skills

• High attention to detail with the ability to execute operational processes consistently and accurately

• Experience working with CRM systems (e.g., Salesforce, Total Expert, Volly, LeadPops, ActivePipe, Bonzo or similar), Microsoft Office tools (Excel, PowerPoint), and social media platforms

• Ability to travel to support key tradeshows and in-market events

Nice to have:

• Experience supporting sales teams in financial services, mortgage, or real estate environments

• Familiarity with loan officer marketing regulations and compliance requirements (e.g., RESPA, Fair Lending, Regulation Z)

• Experience coordinating with hotel event staff, tradeshow vendors, and external production partners

• Knowledge of local real estate markets and mortgage industry practices

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