Mortgage Underwriter

at SoFi

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

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

You’ll review and assess mortgage applications across Conventional and Government products, applying independent judgment and risk analysis in a fast-paced, high-throughput environment.

The ideal candidate brings recent Conventional production experience, confidence in self-employment income analysis (including liquidity testing using Schedule L), and a proactive approach to collaboration with loan originators and operations teams.

What You’ll Do

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 — and apply liquidity testing for business entities.
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 (target ≥ 4 initial credit decisions per day; 5–6 is strong).
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.

What You’ll Need

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 (understanding treatment of inventory-heavy businesses).
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.

Nice-to-Haves

Active CHUMS #, SAR, or VA credit authority.
College degree.
Experience in Jumbo, FHA, VA, or USDA underwriting.
Proven record identifying and mitigating fraud risk.
Exposure to investor guideline interpretation and secondary market practices.

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.