Home Equity Processor

SoFi; Charlotte (NC); On-site; USD 37,000 - 70,000; Full time

Benefits offered by this job

Bonus eligibility

Competitive benefits

Job summary

SoFi is seeking a Home Equity Processor in Charlotte, NC to review loan applications, ensure completeness, and package loans for closing. You will communicate with clients, third parties, and internal teams to maintain accuracy and timely processing.

The role requires 2+ years in mortgage processing, familiarity with Encompass LOS, and strong organizational and communication skills to manage a 30–50 loan pipeline in a fast-paced environment.

Qualifications

• 2+ years of mortgage processing experience preferred.
• Broker fulfillment experience is a plus.
• Ability to maintain a pipeline of 30-50 loans.
• Knowledge of Fannie Mae guidelines.
• Excellent oral and written communication skills.

Responsibilities

• Provide excellent customer service and drive an overall exceptional customer experience using varying forms of communication.
• Responsible for processing, managing, and acting as the primary contact of a pipeline of Home Equity loans to meet closing deadlines and lock expiration periods.
• Maintain a progressing pipeline of 30-50 loan applications.
• Effective and timely communication to both external customers (Clients, 3rd Parties, Vendors) as well as internal customers (Loan Officers, Underwriters, Closers).
• Maintain and adapt to the changing mortgage guidelines.
• Appropriately set borrower expectations for the mortgage process and establish that the processor is the main point of contact until closing.
• Holds the responsibility to request, gather, and analyze documentation required from the borrowers, internally, and third parties for underwriting approval.
• Handles the fillfullment of broker channel loan offerings from members.
• Adapt easily to change and provide interdepartmental support.
• Strive to exceed productivity expectations and standards.
• Set appropriate expectations and point of contact with realtors and other referral sources.
• Understand and request documentation requirements for mortgage financing (tax transcripts, paystubs, tax returns, income calculation, etc.).
• Must be highly organized and proactive; able to meet deadlines in a fast‑paced environment.

Skills

Mortgage processing

Customer service

Communication skills

Time management

Team player

Tools

Encompass LOS

Job description

Who we are:

Shape a brighter financial future with us.

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:

The Home Equity Processor works directly with individual applicants to review loan applications to ensure that the application is complete and accurate. This requires time and attention to detail. This role ensures the timely and accurate packaging of all loans originated by our Loan Officers using effective communication with multiple parties involved in the loan process.

What You’ll Do:

• Provide excellent customer service and drive an overall exceptional customer experience using varying forms of communication.
• Responsible for processing, managing, and acting as the primary contact of a pipeline of Home Equity loans to meet closing deadlines and lock expiration periods.
• Maintain a progressing pipeline of 30-50 loan applications.
• Effective and timely communication to both external customers (Clients, 3rd Parties, Vendors) as well as internal customers (Loan Officers, Underwriters, Closers).
• Maintain and adapt to the changing mortgage guidelines.
• Appropriately set borrower expectations for the mortgage process and establish that the processor is the main point of contact until closing.
• Holds the responsibility to request, gather, and analyze documentation required from the borrowers, internally, and third parties for underwriting approval.
• Handles the fillfullment of broker channel loan offerings from members.
• Adapt easily to change and provide interdepartmental support.
• Strive to exceed productivity expectations and standards.
• Set appropriate expectations and point of contact with realtors and other referral sources.
• Understand and request documentation requirements for mortgage financing (tax transcripts, paystubs, tax returns, income calculation, etc.).
• Must be highly organized and proactive; able to meet deadlines in a fast‑paced environment.

What You’ll Need:

• 2+ years of mortgage processing industry experience preferred.
• Broker fulfillment experience is a plus.
• Ability to maintain a pipeline of 30-50 loans of mixed variety.
• Knowledge of Encompass LOS.
• Excellent oral and written communication skills.
• Works well under time constraints and a constantly changing environment.
• Has to have a team mentality and work well as a member of a group.
• Eagerness to delight clients throughout the process and drive overall experiences.
• Knowledge of Fannie Mae guidelines.

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.

US‑Based Base Compensation

$27.20—$51 USD

This role may also be eligible for a bonus and/or long‑term incentives. Your recruiter will provide more information to you. All roles are eligible for competitive benefits. More information about our employee benefits can be found in the link below.

Benefits at SoFi & Galileo page!

Benefits at SoFi page!

Equal Employment Opportunity

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 [e-mail].

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.