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

So Fi 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.

What You’ll Do

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).

Make timely, compliant underwriting decisions in line with So Fi and investor standards.

Manage a high-volume pipeline, balancing quality (QC) and production SLAs — goal of 4–6 new credit decisions per day.

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

Identify and escalate potential fraud risk or guideline exceptions.

Apply deep working knowledge of DU/LP systems and investor overlays.

Contribute to continuous process improvement through collaboration and feedback.

What You’ll Need

Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.

Strong analytical ability and independent risk assessment judgment.

Proficiency in DU, LP, and FHA Connection systems.

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

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

Strong communication skills — able to explain complex scenarios clearly and professionally.

Experience maintaining both quality control metrics and high production throughput.

Familiarity with Texas-specific lending nuances preferred.

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

Nice-to-Haves

Active SAR or VA credit authority:

Active FHA DE (Direct Endorsement) certification

Experience underwriting Jumbo or USDA loans:

College degree

Background in fraud detection or risk mitigation

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.