Home Equity Underwriter

SoFi is seeking experienced Underwriters to review and decision home equity and mortgage loan applications. This role requires sound judgment, strong analytical ability, and a deep understanding of credit risk, collateral evaluation, and program guidelines. You’ll work closely with processors to ensure each file is complete, accurate, and ready for closing — while maintaining a positive, collaborative work environment.

• →Review loan applications, credit reports, appraisals, income, and other supporting documentation to determine risk and eligibility within program guidelines.
• →Evaluate and clear stipulations and conditions promptly to maintain file momentum.
• →Analyze complex loan packages to render accurate, defensible credit decisions.
• →Ensure quality and compliance with company, investor, and GSE standards while meeting production targets.
• →Communicate clearly with loan originators and processors to obtain any missing or clarifying documentation.
• →Interpret and apply Fannie Mae, Freddie Mac, and investor-specific guidelines.
• →Identify potential fraud indicators and escalate as appropriate.

• Minimum 2 years of conventional loan underwriting experience.
• Strong credit, risk analysis, and analytical skills.
• Experience analyzing self-employment income (Schedule C, K-1, corporate returns).
• Experience reviewing full appraisals and title reports.
• Thorough knowledge of credit policy, underwriting guidelines, and property evaluation.
• Ability to review loan documentation for accuracy and completeness.
• Excellent communication and collaboration skills; able to partner effectively with processors and production staff.
• Hybrid role with in-office collaboration in Charlotte, NC (approximately 1–2 days per week).