Mortgage Underwriter

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.

• 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.

• 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.

• 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.