Disposition Review Specialist

at SoFi

NC -Charlotte, TX - Frisco

Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Role:

We're looking for a detail-oriented Disposition Review Specialist to join our team. In this role, you will be a key contributor in ensuring our mortgage and home equity loan processes are efficient and compliant with federal regulations. You'll be responsible for reviewing loan files and ensuring timely and accurate disposition, with a special focus on adhering to the Equal Credit Opportunity Act (ECOA) and Regulation B. This role requires strong problem-solving skills and a solid background in mortgage operations and compliance.

What You’ll Do:

Process Management: Monitor and process daily work queues to facilitate the accurate and timely disposition of loan files.
Regulatory Compliance: Implement internal procedures to ensure the correct and timely delivery of Adverse Action Notices in accordance with ECOA and Regulation B guidelines.
Interdepartmental Collaboration: Work closely with Mortgage and Home Equity Sales and Operations teams to review and resolve issues with loan files submitted for disposition.
Quality Assurance: Perform thorough data and document validation against product guidelines and conduct Quality Assurance (QA) testing on loans to ensure full compliance with Regulation B (ECOA) and Regulation C (HMDA).
Ad Hoc Duties: Perform other related duties as assigned to support department objectives.
Cultural Alignment: Actively demonstrate behaviors that align with the organization’s desired culture and values.

What You Need:

Education & Experience: An Associate's degree or equivalent work experience, with a minimum of 3 years of experience in the mortgage industry.
Technical Knowledge: Advanced knowledge of Regulation B (ECOA) and intermediate knowledge of Regulation C (HMDA).
Software Proficiency: Strong experience with mortgage origination software, specifically Encompass and Blend, and proficiency in Microsoft Office Suite.
Skills: Excellent problem-solving, critical thinking, time management, and organizational skills.

Preferred Qualifications:

Prior experience in a compliance or quality assurance role within a financial institution.
Familiarity with other relevant mortgage regulations.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

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.