Home Equity Underwriter

SoFi Technologies
Charlotte
Workplace: HybridFull timeUSD 32.8 - 61.5 hourlyFunction: Banking, Lending & CreditExperience: 2+ yearsSkills: ["Communication","Collaboration","Independent judgment","Attention to detail"]

Underwrite Home Equity loan files end-to-end, making clear, well-documented approval, suspension, or decline decisions. You’ll perform full credit risk analysis across creditworthiness, income, assets, collateral, and conditions, including review of credit reports, tax returns, appraisals, and title reports. Partner with loan processors to resolve documentation gaps, while maintaining strong quality, compliance, and risk discipline in a manual or semi-manual underwriting environment.

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FursaFursa
SoFi Technologies
SoFi Technologies
5 days ago

Home Equity Underwriter

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Last checked: 22 hours agoStatus: Live

Job Summary

Underwrite Home Equity loan files end-to-end, making clear, well-documented approval, suspension, or decline decisions. You’ll perform full credit risk analysis across creditworthiness, income, assets, collateral, and conditions, including review of credit reports, tax returns, appraisals, and title reports. Partner with loan processors to resolve documentation gaps, while maintaining strong quality, compliance, and risk discipline in a manual or semi-manual underwriting environment.
Location: Charlotte
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Underwrite and decision 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, title reports, and other loan documentation.
  • •Apply independent credit judgment in a manual or semi-manual underwriting environment.
  • •Evaluate and clear underwriting conditions to maintain pipeline momentum while meeting production, quality, accuracy, and compliance expectations.

Pay and Benefits

Salary: USD 32.8 - 61.5 hourly

Key Requirements

  • •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.
Experience:2+ years
Skills:CommunicationCollaborationIndependent judgmentAttention to detail

Company Brief

SoFi Technologies
Provides digital financial services including lending, banking, investing, and credit products through a consumer-focused online platform. SoFi serves individuals looking to manage money, borrow, save, invest, and protect their finances in one place.
Industry: Neobanking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: San Francisco, United States
Founded: 2011
WebsiteLinkedIn