SoFi · 8 hours ago
Home Equity Underwriter
United States
Full-time
Remote
Entry, Mid Level
2+ years expSoFi is a next-generation financial services company and national bank focused on transforming personal finance. They are seeking experienced Home Equity Mortgage Underwriters to support their growing lending portfolio, with responsibilities including full-file underwriting and credit risk analysis.
CreditCredit CardsFinancial ServicesFinTechLendingWealth Management
Responsibilities
Underwrite and decision home equity and mortgage loan files in accordance with SoFi, investor, and GSE guidelines
Perform full credit risk analysis, including borrower creditworthiness, income stability, and collateral evaluation
Review and analyze loan documentation including credit reports, income documentation, tax returns, appraisals, and title reports
Utilize DU and LP to support underwriting decisions and document rationale
Independently evaluate and clear underwriting conditions to maintain pipeline momentum
Analyze self-employed borrower income (Schedule C, K-1s, partnerships, and corporate returns)
Identify potential risk or fraud indicators and escalate appropriately
Collaborate primarily with loan processors to resolve documentation gaps and drive loans to closing
Maintain high quality, accuracy, and compliance while meeting established production expectations
Qualification
Required
Minimum 2 years of recent conventional loan underwriting experience with decision-making authority
Hands-on experience with DU and LP
Demonstrated full-file underwriting experience, including appraisal and title review
Strong background analyzing self-employment income and complex borrower scenarios
Solid understanding of credit policy, underwriting guidelines, and collateral evaluation
Ability to render clear, well-documented, and defensible credit decisions
Strong communication and collaboration skills, particularly in partnership with processors
Comfort working in a compliance-driven, production-oriented environment
Preferred
Prior home equity underwriting experience
Manual or semi-manual underwriting background
Experience transitioning from task-based roles into true full-file ownership
Active CHUMS, SAR, or VA credit authority
Company
SoFi
SoFi is a finance company that offers a range of lending and wealth management services.
1001-5000 employees
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 CompanyTotal Funding
$12.25BKey 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
Anthony Noto
CEO
Jeremy Rishel
Chief Technology Officer
Recent News
2026-02-03
2026-02-03
Company data provided by crunchbase