Mortgage Underwriter

Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.

Proficiency in DU, LP, and FHA Connection systems.

Thorough understanding of credit policy, financial statement analysis, and property evaluation.

Experience maintaining both quality control metrics and high production throughput.

Familiarity with Texas-specific lending nuances preferred.

Active SAR or VA credit authority

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX or Charlotte, NC.

You’ll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation.

Review and underwrite mortgage applications using investor/GSE guidelines.

Perform detailed analysis of borrower credit, income, and collateral — including complex and self-employed income calculations.

Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).