Home Equity Underwriter
Core
Full-file underwriter making independent credit decisions on Home Equity loans, analyzing credit, income, assets, and collateral.
Role type
Senior IC Home Equity Underwriter
Builds
Home Equity loan files for SoFi's lending portfolio
Domain
Financial Services / Mortgage Lending
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Full-file underwriting ownership, independent credit judgment, self-employed income analysis, appraisal and title review, risk assessment, compliance adherence
Preferred skills
Home Equity/HELOC/second-lien experience, manual/semi-manual underwriting, complex borrower scenarios, high-volume production, DU/LP experience, CHUMS/SAR/VA authority
Technologies
Credit reports, tax returns (Schedule C, K-1), appraisals, title reports
Responsibilities
Underwrite and decide Home Equity loan files, perform full credit risk analysis, review loan documentation, evaluate self-employed income, clear underwriting conditions, collaborate with processors, make approval/suspension/decline decisions
Seniority
Mid-Senior, hands-on IC
