Mortgage Originator- Remote

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SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX.

You’ll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You’ll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability.

Review and underwrite mortgage applications using investor/GSE guidelines.

Perform detailed analysis of borrower credit, income, and collateral - including complex and self-employed income calculations.

Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).

Manage a high-volume pipeline, balancing quality (QC) and production SLAs - goal of 5+ new credit decisions per day.

Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.

Identify and escape potential fraud risk or guideline exceptions.

Contribute to continuous process improvement through collaboration and feedback.

Strong analytical ability and independent risk assessment judgment.

Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.

Thorough understanding of credit policy, financial statement analysis, and property evaluation.

Experience maintaining both quality control metrics and high production throughput.

Hybrid work schedule: 2 days per week in the Frisco, TX office.

Active SAR or VA credit authority

Background in fraud detection or risk mitigation

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.

As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email View email address on click.appcast.io.

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.