Home Equity Underwriter

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Who we are:

SoFi is hiring an experienced Home Equity Underwriter to support a growing lending portfolio. This is a true full-file underwriting role with end-to-end ownership of credit income assets collateral conditions and final underwriting decisions. The underwriter will partner closely with processors to move loans efficiently from review through clear-to-close while maintaining strong quality compliance and risk discipline.

This role is best suited for an underwriter who is comfortable exercising independent credit judgment in a manual or semi-manual environment and owning the entire filenot just one segment of the process.

• Underwrite and decision Home Equity loan files in accordance with SoFi policies and applicable investor and regulatory guidelines.

• Perform full credit risk analysis including borrower creditworthiness income stability assets and collateral.

• Review and analyze credit reports income and asset documentation tax returns appraisals title reports and other loan documentation.

• Apply independent credit judgment in a manual or semi-manual underwriting environment.

• Independently evaluate and clear underwriting conditions to maintain pipeline momentum.

• Analyze self-employed borrower income including Schedule C K-1s partnerships corporate returns and business tax returns.

• Identify potential risk fraud or documentation concerns and escalate appropriately.

• Collaborate closely with loan processors to resolve documentation gaps and move loans toward closing.

• Make clear well-documented and defensible approval suspension or decline decisions.

• Meet established production turn-time quality accuracy and compliance expectations.

• Minimum 2 years of recent conventional mortgage underwriting experience with direct decision-making authority.

• Demonstrated full-file underwriting ownership across credit income assets collateral conditions and final decisions.

• Direct appraisal and title review experience.

• Strong experience analyzing self-employed income and complex borrower scenarios.

• Ability to independently evaluate and clear underwriting conditions.

• Strong understanding of credit policy underwriting guidelines collateral evaluation and risk assessment.

• Experience working in a compliance-driven production-oriented environment with accountability for quality and turn times.

• Strong communication and collaboration skills particularly when partnering with processors.

• Ability to work standard business hours aligned with Central Time.

• Ability to work from the Frisco Texas office 12 days per week.

• Home Equity HELOC or second-lien underwriting experience.

• Manual or semi-manual underwriting experience.

• Experience with complex borrower collateral or lien-position scenarios.

• High-volume production underwriting experience.

• DU/LP experience as supporting conventional underwriting exposure.

• CHUMS SAR or VA credit authority.