Home Equity Underwriter: End-to-End Credit & Collateral

SoFi; San Francisco (TX); Hybrid; USD 95,000 - 130,000; Full time

Job summary

SoFi is seeking an experienced Home Equity Underwriter to own end-to-end underwriting for Home Equity loans in a hybrid Frisco, TX setting. You will evaluate credit, income, assets, and collateral, review appraisals and titles, and collaborate with processors to drive loans toward clear-to-close with strong risk controls.

The role requires independent credit judgment, 2+ years of underwriting experience, and proficiency with complex self-employed income scenarios.

Qualifications

• 2+ years of conventional mortgage underwriting with direct decision authority.
• Full-file underwriting ownership across credit, income, assets, collateral, conditions, and final decisions.
• Direct appraisal and title review experience.
• Strong experience analyzing self-employed income and complex borrower scenarios.
• Ability to independently evaluate and clear underwriting conditions.

Responsibilities

• Underwrite and decision Home Equity loan files per policy and guidelines.
• Perform full credit risk analysis including borrower creditworthiness, income, assets, and collateral.
• Review credit reports, income/assets, tax returns, appraisals, and title reports.
• Apply independent credit judgment in manual or semi-manual underwriting environment.
• Independently evaluate and clear underwriting conditions to maintain pipeline momentum.
• Collaborate with processors to resolve documentation gaps and move loans toward closing.
• Make clear, documented approval, suspension, or decline decisions.
• Meet production, turn-time, quality, and compliance expectations.

Skills

Mortgage underwriting

Decision making

Credit analysis

Self-employed income

Compliance

Job description

SoFi is seeking an experienced Home Equity Underwriter to own end-to-end underwriting for Home Equity loans in a hybrid Frisco, TX setting. You will evaluate credit, income, assets, and collateral, review appraisals and titles, and collaborate with processors to drive loans toward clear-to-close with strong risk controls.

The role requires independent credit judgment, 2+ years of underwriting experience, and proficiency with complex self-employed income scenarios.