Home Equity Underwriter • Mid-Level

Who you are

You have experience in mortgage underwriting, specifically in home equity loans, and are comfortable making defensible credit decisions. You understand the importance of compliance and risk discipline in the underwriting process, and you thrive in semi-manual environments where you can take ownership of the entire file. Your analytical skills allow you to perform thorough credit risk analysis, evaluating borrower creditworthiness, income stability, and collateral evaluation.

You are detail-oriented and can review and analyze loan documentation effectively, ensuring that all necessary information is considered in your decisions. You have a strong understanding of SoFi, investor, and GSE guidelines, which enables you to underwrite and decision home equity and mortgage loan files accurately. You are a team player who collaborates closely with processors to move loans efficiently from review through clear-to-close.

What you'll do

In this role, you will underwrite and decision home equity and mortgage loan files, ensuring compliance with SoFi and investor guidelines. You will conduct full credit risk analysis, assessing borrower creditworthiness, income stability, and collateral evaluation. Your responsibilities will include reviewing and analyzing loan documentation, including credit reports and income verification, to make informed underwriting decisions. You will partner with processors to facilitate the loan process, maintaining strong quality and compliance throughout.

You will be expected to manage the entire underwriting process, taking ownership of the file from start to finish. This includes making credit decisions that are defensible and in line with industry standards. You will also be responsible for ensuring that all loans are processed efficiently and accurately, contributing to the overall success of SoFi's lending portfolio.

What we offer

At SoFi, we are committed to shaping a brighter financial future for our members. We offer a collaborative work environment where your contributions directly impact people's lives. Join us to invest in yourself and your career while being part of a next-generation financial services company. We encourage you to apply even if your experience doesn't match every requirement, as we value diverse backgrounds and perspectives.