Home Loan Member Advocate

SoFi Technologies
Charlotte
Workplace: OnsiteFull timeUSD 29.2 - 54.75 hourlyFunction: Banking, Lending & CreditExperience: 3+ yearsSkills: ["Consultative communication","Presentation","Negotiation","Organizational skills","Problem-solving"]

Serve as a subject matter expert for mortgage loan restructuring, loan conversion, and complex income analysis. Evaluate mortgage and home equity scenarios using borrower tax documentation, credit, assets, collateral, and lending guidelines to identify viable restructuring options. Consult directly with members to present and negotiate revised terms, manage an active file pipeline with SLA focus, and partner with Sales, Processing, Underwriting, and Secondary Marketing to improve conversion rates and closing timelines.

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SoFi Technologies
SoFi Technologies
11 hours ago

Home Loan Member Advocate

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Last checked: 10 hours agoStatus: Live

Job Summary

Serve as a subject matter expert for mortgage loan restructuring, loan conversion, and complex income analysis. Evaluate mortgage and home equity scenarios using borrower tax documentation, credit, assets, collateral, and lending guidelines to identify viable restructuring options. Consult directly with members to present and negotiate revised terms, manage an active file pipeline with SLA focus, and partner with Sales, Processing, Underwriting, and Secondary Marketing to improve conversion rates and closing timelines.
Location: Charlotte
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Analyze and execute loan restructuring solutions for mortgage and home equity transactions, including complex borrower income scenarios.
  • •Perform detailed income and liquidity calculations using personal and business tax returns and related financial documentation.
  • •Identify, troubleshoot, and resolve complex eligibility scenarios across conforming and non-conforming lending guidelines.
  • •Evaluate borrower credit, income, assets, collateral, and overall risk while maintaining underwriting accuracy and regulatory compliance.
  • •Manage a pipeline of 10–15 active files, engage with members to present and negotiate revised terms, and partner with internal teams to improve conversion and closing outcomes.

Pay and Benefits

Salary: USD 29.2 - 54.75 hourly

Key Requirements

  • •Active NMLS licensing and ability to meet applicable federal licensing requirements, including background checks and fingerprinting.
  • •3+ years of combined experience in licensed mortgage loan origination, mortgage underwriting, or senior-level loan restructuring.
  • •In-depth knowledge of Fannie Mae, Freddie Mac, FHA, and VA lending guidelines for complex eligibility and restructuring scenarios.
  • •Proficiency analyzing self-employed borrower income (e.g., S-Corporations, partnerships, sole proprietorships) and related tax/financial documentation.
  • •Hands-on experience with automated underwriting systems, including Desktop Underwriter (DU) and Loan Product Advisor (LPA).
Experience:3+ years
Education:
Skills:Consultative communicationPresentationNegotiationOrganizational skillsProblem-solving
Licenses:NMLS
Languages:English
Tech Stack:Desktop Underwriter (DU)Loan Product Advisor (LPA)Encompass loan origination system (LOS)Optimal Blue pricing engineIRS Form 1040IRS Form 1065IRS Form 1120SSchedule LSchedule K-1Fannie MaeFreddie MacFHAVA

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