Mortgage Underwriter - Remote

Overview

SoFi is seeking a DE-Certified Mortgage Underwriter passionate about making sound credit decisions and helping members achieve their homeownership goals.

In Short

• Review and evaluate mortgage applications, financial documentation, and property data to determine borrower eligibility and credit risk.
• Perform detailed analysis of income, including complex and self-employment scenarios.
• Make timely, accurate underwriting decisions in line with SoFi, GSE, and investor guidelines.
• Manage a high-volume pipeline while maintaining consistent quality and SLA standards.
• Apply independent judgment to interpret GSE, investor, and agency overlays.
• Collaborate closely with processors and loan officers to obtain and verify documentation.
• Identify and escalate potential fraud or quality concerns.
• Maintain high accuracy and compliance while balancing efficiency and throughput.

Requirements

• Minimum 2+ years of recent Conventional loan underwriting experience.
• Active FHA DE (Direct Endorsement) certification required.
• Strong understanding of credit policy, financial statement analysis, and property evaluation.
• Proficiency with DU and LP automated underwriting systems.
• Demonstrated ability to analyze self-employment income and perform liquidity tests using Schedule L.
• Ability to evaluate and communicate complex credit scenarios with clarity and professionalism.
• Experience maintaining production and quality control standards in a high-volume environment.
• Strong collaboration and communication skills; able to work independently while partnering cross-functionally.
• Hybrid work schedule – 2 days per week in the Frisco, TX office.

Benefits

• Comprehensive and competitive benefits.
• Opportunities for career development.
• Inclusive culture with accommodations for candidates with disabilities.
• Equal employment opportunities without regard to protected characteristics.