Employee Applicant Privacy Notice

Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The role

Retail Loan Officers (RLOs) are key drivers of So Fi Lending Corp.’s mortgage sales organization. RLOs are responsible for delivering an exceptional, end-to-end customer experience by guiding members through the mortgage origination process and providing a modern, transparent alternative to the traditional mortgage experience.

What you’ll do:

• Evaluate initial loan applications and supporting documentation to assess creditworthiness and repayment ability

• Perform preliminary analysis of applicants’ credit, income, and assets, communicating initial eligibility and next steps clearly to the customer

• Communicate key origination timelines, product options, pricing, and underwriting requirements throughout the loan lifecycle

• Proactively engage with applicants through outbound communication to obtain required documentation and ensure timely progression from application to funding

• Clearly communicate loan status updates, conditions, approvals, and/or declinations to ensure customers are informed at every stage

• Coordinate with realtors, builders, mobile notaries, and other third-party partners to support a smooth transaction

• Manage the loan process to ensure timely and accurate delivery of disclosures, re-disclosures due to changed circumstances, and closing documentation

• Continuously enhance sales effectiveness and customer experience through ongoing training and development

• Maximize monthly funded loan volume while maintaining quality and compliance standards

• Manage and convert a pipeline of centrally provided leads while delivering a high-touch, consultative retail experience

What you’ll need:

• Professional demeanor and strong work ethic with the ability to establish and build working relationships with So Fi applicants, guiding them from initiation to successful completion of the loan process

• Driven by high performance in a high expectation commission environment

• Strong verbal and written communication skills

• Industry leading pipeline management skills

• Background or previous experience in financial services and sales in an inbound or outbound call center

• Solid time management skills and the ability to prioritize activities

• Ability to establish and maintain working relationships with team members

• Must be computer literate with above average proficiency in MS Office and internet skills

• Strong Communication skills including communicating clearly and effectively both verbally and in writing

• Ability to learn and navigate multiple systems / applications / workflows

• Ability to exhibit grace under pressure, while successfully navigating stressful work assignments or situations efficiently and effectively

• Ability to meet critical deadlines under stressful conditions

• Self-motivated and able to work independently

• Able to move between tasks and duties quickly and efficiently

• Excellent organizational skills

• Excellent prioritization and time management skills

Nice to have:

• Two to four (2-4) years of successful origination of loans; residential mortgage loan experience preferred but not required.

• Strong knowledge of federal, state and/or regulatory requirements of mortgage lending

• Overall good knowledge and understanding of mortgage product, pricing and underwriting guidelines

• Consultative sales skills in a mortgage sales organization

• High volume transaction processing experience exhibiting the ability to follow written procedures and processes with a high level of accuracy and attention to detail

• Any individual state mortgage licensing is considered a plus

• Ability to obtain and maintain individual state license(s) and SAFE act compliance

Why you’ll love working here

• Competitive salary packages and bonuses

• Comprehensive medical, dental, vision and life insurance benefits

• Generous vacation and holidays

• Paid parental leave for eligible employees

• 401(k) and education on retirement planning

• Tuition reimbursement on approved programs

• Monthly contribution up to $200 to help you pay off your student loans

• Great health & well-being benefits including: telehealth parental support, subsidized gym program

• Fully stocked kitchen (snacks and drinks)

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 So Fi page!
So Fi 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.
New York applicants: Notice of Employee Rights
So Fi is committed to an inclusive culture. As part of this commitment, So Fi 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 accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.