Home Equity Underwriter jobs in United States
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SoFi · 3 days ago

Home Equity Underwriter

positionCharlotte, NC
timeFull-time
remoteHybrid
seniorityEntry, Mid Level
money$39/hr - $73/hr
date2+ years exp

SoFi is a next-generation financial services company and national bank focused on transforming personal finance. They are seeking an experienced Underwriter to review and decision home equity and mortgage loan applications, requiring strong analytical skills and a deep understanding of credit risk and collateral evaluation.

CreditCredit CardsFinancial ServicesFinTechLendingWealth Management
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H1B Sponsor Likelynote

Responsibilities

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

Qualification

Conventional loan underwritingCredit risk analysisCollateral evaluationProficiency with DULPAnalyzing self-employment incomeReviewing full appraisalsCredit policyFraud detectionHome equity underwritingActive CHUMS #VA credit authorityCommunication skillsCollaboration skills

Required

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)

Preferred

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

Company

SoFi

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SoFi is a finance company that offers a range of lending and wealth management services.
dateFounded in 2011
location
San Francisco, California, USA
people-size1001-5000 employees
web-link
https://www.sofi.com

H1B Sponsorship

SoFi has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (213)
2024 (117)
2023 (131)
2022 (118)
2021 (81)
2020 (42)

Funding

Current Stage
Public Company
Total Funding
$12.25B
Key Investors
Fortress Investment GroupPGIMQatar Investment Authority
2025-12-04Post Ipo Equity· $1.5B
2025-07-29Post Ipo Equity· $1.5B
2025-04-17Post Ipo Debt· $3.2B

Leadership Team

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Anthony Noto
CEO
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Jeremy Rishel
Chief Technology Officer
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Recent News

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dcm ventures - portfolio
2025-12-31
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3 Predictions for SoFi in 2026
2025-12-26
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2025-12-24
Company data provided by crunchbase