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 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