Home Equity Underwriter

About This RoleAI processing…

Key Responsibilities

• 1
  Underwrite and decision Home Equity loan files in accordance with SoFi policies and applicable investor and regulatory guidelines.
• 2
  Perform full credit risk analysis, including borrower creditworthiness, income stability, assets, and collateral.
• 3
  Review and analyze credit reports, income and asset documentation, tax returns, appraisals, title reports, and other loan documentation.
• 4
  Apply independent credit judgment in a manual or semi-manual underwriting environment.
• 5
  Independently evaluate and clear underwriting conditions to maintain pipeline momentum.
• 6
  Analyze self-employed borrower income, including Schedule C, K-1s, partnerships, corporate returns, and business tax returns.
• 7
  Identify potential risk, fraud, or documentation concerns and escalate appropriately.
• 8
  Collaborate closely with loan processors to resolve documentation gaps and move loans toward closing.
• 9
  Make clear, well-documented, and defensible approval, suspension, or decline decisions.
• 10
  Meet established production, turn-time, quality, accuracy, and compliance expectations.

Requirements

• Minimum 2 years of recent conventional mortgage underwriting experience with direct decision-making authority.
• Experience with complex borrower, collateral, or lien-position scenarios.
• What you’ll need: Minimum 2 years of recent conventional mortgage underwriting experience with direct decision-making authority.
• If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
• Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Perks & Benefits