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 looking for Underwriters to review and conduct the appraisal of applications for Mortgage Loans. Underwriters use knowledge and independent judgment to determine eligibility of risks when compared to guidelines of programs available. The ability to maintain a positive work atmosphere by acting and communicating in a manner that you get along with customers, co-workers, and managers is a must!

What you’ll do:

Examine and evaluate documents such as application forms, inspection reports, financial reports, and other data to determine degree of risk.
Perform timely reviews of stipulations/conditions submitted.
Analyze loan packages to deliver valid credit decisions.
Maintain quality control standards while maintaining production standards by company’s definition.
Request additional documentation necessary for the processing of an application.
Interpret GSE guidelines as well as investor guidelines.

What you’ll need:

Strong credit, risk analysis, and analytical skills.
Thorough understanding and strong working knowledge of credit, underwriting, credit policy and financial statement analysis and property evaluation.
Be able to examine loan documentation for accuracy and completeness.
Be familiar with fraud detection techniques.
Excellent customer service skills.
Active CHUMS # a plus.
Active SAR and VA credit authority are a plus.
Knowledge of DU and LP.
Ability to work with loan originators and production staff to acquire all required documentation.
Must possess strong credit, risk analysis and analytical skills.
College Degree Preferred.
Minimum of 2 years of experience in underwriting Conventional loans

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 embracing diversity. 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 accommodations@sofi.com.

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.

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