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 forensuring 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
• Comprehensive knowledge of mortgage products, services, and industry trends.
• Excellent written, spoken, active listening, and interpersonal communication skills with a high level of diplomacy in directing production staff.
• Strong motivation and management skills required to lead an experienced mortgage underwriting team, geared to meet production and quality goals.
• Critical decision-making skills and sound judgment to address and resolve issues.
• Technical proficiency with a high-level knowledge of computer systems including Encompass and Microsoft Office applications including Outlook, Word, and Excel.
• Effective time management skills include prioritizing responsibilities and organizing work tasks.

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.

This role may also be eligible for a bonus and/or long term incentives. Your recruiter will provide more information to you. All roles are eligible for competitive benefits. More information about our employee benefits can be found in the link below.

Benefits

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi & Galileo page!

US-Based Base Compensation

$131,200-$225,500 USD