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Home Equity Underwriter

SoFi
Location
Frisco, TX
Posted
19 days ago
Department
Loans Ops - Underwriting
What they actually want (must-haves)
  • 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
Nice to have
  • Home Equity, HELOC, or second-lien underwriting experience
  • Manual or semi-manual underwriting experience
  • Experience with complex borrower, collateral, or lien-position scenarios
  • High-volume production underwriting experience
  • DU/LP experience as supporting conventional underwriting exposure
What the job really is

The Home Equity Underwriter at SoFi will be responsible for full-file underwriting of Home Equity loan applications, ensuring compliance with company policies and regulatory guidelines. This role involves analyzing borrower creditworthiness, income, assets, and collateral, while collaborating closely with loan processors to facilitate efficient loan processing. The underwriter will exercise independent credit judgment and make final underwriting decisions based on thorough documentation review.

Things to weigh
  • No specific salary listed, only a range based on experience and location
  • Role requires in-office work 1-2 days per week, which may not suit all candidates
  • The company emphasizes a compliance-driven and production-oriented environment, which may involve high pressure
Job score2.6/5
Benefits1/5
Freshness4/5
Career value4/5
Role clarity4/5
Pay transparency0/5

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