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Home Equity Underwriter

2 weeks ago

Charlotte, North Carolina, United States SoFi Full time $80,000 - $120,000 per year

Employee Applicant Privacy Notice

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 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.

What you'll do: 

  • 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.

What you'll need:

  • Minimum 2 years of conventional loan underwriting experience.
  • Strong credit, risk analysis, and analytical skills.
  • Proficiency with DU and LP.
  • 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).

Nice to have:

  • Home equity or manual underwriting experience.
  • Active CHUMS #, SAR, or VA credit authority.
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
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.