Home Equity Underwriter - High-Volume, Full-File

SoFi; Charlotte (NC); Hybrid; USD 70,000 - 110,000; Full time

Job summary

SoFi is seeking an experienced Home Equity Underwriter to support a growing lending portfolio. This role offers end-to-end ownership of credit, income, assets, collateral, conditions, and final underwriting decisions.

You will partner with processors to move loans efficiently from review to clear-to-close while upholding strict quality, compliance, and risk controls. The ideal candidate has at least 2 years of conventional mortgage underwriting with direct decision authority and strong

Qualifications

• Minimum 2 years of recent conventional mortgage underwriting experience with direct decision-making authority.
• Demonstrated 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.
• Strong understanding of credit policy, underwriting guidelines, collateral evaluation, and risk assessment.

Responsibilities

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

Skills

Home Equity Underwriting

Conventional Mortgage

Credit Analysis

Income & Asset Review

Regulatory Compliance

Communication

Tools

DU/LP

Job description

SoFi is seeking an experienced Home Equity Underwriter to support a growing lending portfolio. This role offers end-to-end ownership of credit, income, assets, collateral, conditions, and final underwriting decisions.

You will partner with processors to move loans efficiently from review to clear-to-close while upholding strict quality, compliance, and risk controls. The ideal candidate has at least 2 years of conventional mortgage underwriting with direct decision authority and strong