Home Equity Underwriter — High-Volume Production

SoFi; Frisco (TX); Hybrid; USD 75,000 - 110,000; Full time

Job summary

SoFi is hiring an experienced Home Equity Underwriter in Frisco, TX, supporting a growing lending portfolio with end-to-end ownership of credit, income, assets, and collateral. This role requires strong credit judgment in a manual or semi-manual environment and collaboration with processors to move loans toward clear-to-close.

The ideal candidate has prior full-file underwriting authority, analyzes self-employed income, and maintains rigorous adherence to guidelines and risk controls while

Qualifications

• Minimum 2 years of conventional mortgage underwriting with direct decision-making authority.
• Full-file 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.
• Solid understanding of credit policy, underwriting guidelines and risk assessment.
• Experience in a compliance-driven, production-oriented environment with quality focus.
• Strong communication and collaboration skills with processors.
• Ability to work standard Central Time business hours.
• Occasional in-office presence at Frisco, TX 1–2 days per week.

Responsibilities

• Underwrite and decision Home Equity loan files per SoFi policies and guidelines.
• Perform full credit risk analysis including income, assets, and collateral.
• Review credit reports, tax returns, appraisals, and title reports.
• Apply independent credit judgment in manual or semi-manual underwriting.
• Clear underwriting conditions to maintain pipeline momentum.
• Evaluate self-employed income (Schedule C, K-1s, partnerships, corporate returns).
• Identify risk, fraud, or documentation concerns and elevate appropriately.
• Collaborate with loan processors to resolve gaps toward closing.
• Make well-documented approval, suspension, or decline decisions.
• Meet production, turn-time, quality, and compliance expectations.

Skills

Underwriting experience

Full-file underwriting ownership

Self-employed income analysis

Credit policy knowledge

Compliance-driven mindset

Clear communication

Decision-making authority

Independent condition clearance

Risk assessment

Time-management / turn times

Job description

SoFi is hiring an experienced Home Equity Underwriter in Frisco, TX, supporting a growing lending portfolio with end-to-end ownership of credit, income, assets, and collateral. This role requires strong credit judgment in a manual or semi-manual environment and collaboration with processors to move loans toward clear-to-close.

The ideal candidate has prior full-file underwriting authority, analyzes self-employed income, and maintains rigorous adherence to guidelines and risk controls while