About this role
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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
SoFi is seeking a dynamic Underwriting leader to join our Frisco, TX management team to build the future of home lending. In this high-impact role, you will lead our strategic expansion by recruiting, onboarding, and leading an elite team of underwriters for Conventional, Government, Jumbo, Portfolio, and Non-QM home loans. You are responsible for ensuring every decision delivers quality and accuracy. You will also contribute to our technology roadmap and manage the digital tools that drive industry-leading speed and service. This is a rare opportunity to move beyond the routine to engineer a high-performance department within a fast-paced, innovative culture.
What You’ll Do
• Build and Lead: Recruit, onboard, and mentor an underwriting team, fostering a high-performance culture that aligns with SoFi’s values and behavioral expectations.
• Strategic Oversight: Manage the underwriting lifecycle for a diverse product suite to ensure every decision meets quality and accuracy standards.
• Authority and Calibration: Establish and allocate underwriting authority levels for staff, while personally providing expert review and approval for highly complex or high-exposure cases.
• Performance Optimization: Train and coach the team to consistently exceed production and quality goals, utilizing data-driven insights to balance industry-leading speed and precision.
• Tech Roadmap Influence: Partner with product and engineering teams to influence the technology roadmap, adopting and managing the digital tools necessary to automate and streamline the underwriting process.
• Cross-Functional Synergy: Build and maintain strong partnerships across Sales, Credit, Risk and Operations to influence workflows, resolve bottlenecks, and achieve organizational goals.
• Risk and Quality Control: Monitor Quality Control reports to identify error trends and implement corrective action plans, ensuring all guidelines remain compliant with GSE and investor requirements.
What You’ll Need
• 8+ years of mortgage underwriting experience.
• 5+ years of experience in leading Mortgage Underwriting Teams.
• Experience underwriting jumbo, high net work, and complex credits with relevant approval authorities
• Knowledge of federal, state, and FDIC real estate regulations and statutes
• Comprehen