Senior Manager, Underwriting

Sofi; Frisco (TX); On-site; USD 100,000 - 130,000; Full time

Job summary

SoFi is seeking an Underwriting leader in Frisco, TX to guide the expansion of home lending. In this impactful role, you will recruit and manage a skilled underwriting team for various loan products. You will ensure quality and accuracy while collaborating on technology improvements.

This position requires a strong background in mortgage underwriting and leadership capabilities. SoFi offers comprehensive benefits and promotes a culture of diversity and inclusion.

Qualifications

• 8+ years of mortgage underwriting experience.
• 5+ years of experience in leading Mortgage Underwriting Teams.
• Experience underwriting jumbo and complex credits.
• Knowledge of federal, state, and FDIC regulations.
• Strong decision-making skills.

Responsibilities

• Build and lead an underwriting team.
• Manage the underwriting lifecycle for various products.
• Establish underwriting authority levels.
• Train and coach the team to meet production goals.
• Partner with product and engineering teams.

Skills

Mortgage underwriting experience

Leadership in Mortgage Underwriting Teams

Knowledge of real estate regulations

Interpersonal communication skills

Technical proficiency with computer systems

Time-management skills

Tools

Encompass

Microsoft Office (Outlook, Word, Excel)

Job description

The Role

SoFi is seeking a dynamic Underwriting leader to join our Frisco, TX management team to build the future of home lending. In this high-impact role, you will lead our strategic expansion by recruiting, onboarding, and leading an elite team of underwriters for Conventional, Government, Jumbo, Portfolio, and Non‑QM home loans. You are responsible for ensuring every decision delivers quality and accuracy. You will also contribute to our technology roadmap and manage the digital tools that drive industry‑leading speed and service. This is a rare opportunity to move beyond the routine to engineer a high‑performance department within a fast‑paced, innovative culture.

What You’ll Do

• Build and Lead: Recruit, onboard, and mentor an underwriting team, fostering a high‑performance culture that aligns with SoFi’s values and behavioral expectations.
• Strategic Oversight: Manage the underwriting lifecycle for a diverse product suite to ensure every decision meets quality and accuracy standards.
• Authority and Calibration: Establish and allocate underwriting authority levels for staff, while personally providing expert review and approval for highly complex or high‑exposure cases.
• Performance Optimization: Train and coach the team to consistently exceed production and quality goals, utilizing data‑driven insights to balance industry‑leading speed and precision.
• Tech Roadmap Influence: Partner with product and engineering teams to influence the technology roadmap, adopting and managing the digital tools necessary to automate and streamline the underwriting process.
• Cross‑Functional Synergy: Build and maintain strong partnerships across Sales, Credit, Risk and Operations to influence workflows, resolve bottlenecks, and achieve organizational goals.
• Risk and Quality Control: Monitor Quality Control reports to identify error trends and implement corrective action plans, ensuring all guidelines remain compliant with GSE and investor requirements.

What You’ll Need

• 8+ years of mortgage underwriting experience.
• 5+ years of experience in leading Mortgage Underwriting Teams.
• Experience underwriting jumbo, high net work, and complex credits with relevant approval authorities.
• Knowledge of federal, state, and FDIC real estate regulations and statutes.
• Comprehensive knowledge of mortgage products, services, and industry trends.
• Excellent written, spoken, active listening, and interpersonal communication skills with a high level of diplomacy in directing production staff.
• Strong motivation and management skills required to lead an experienced mortgage underwriting team, geared to meet production and quality goals.
• Critical decision‑making skills and sound judgment to address and resolve issues.
• Technical proficiency with a high‑level knowledge of computer systems including Encompass and Microsoft Office applications including Outlook, Word, and Excel.
• Effective time‑management skills include prioritizing responsibilities and organizing work tasks.

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.

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.