Role Description An established mortgage banker is seeking an experienced DE/VA Mortgage Underwriter with wholesale experience to join its team. We’re looking for a collaborative underwriter who thrives on engaging with the origination team and is comfortable picking up the phone to ensure clear communication and accurate loan decisions. - Evaluate mortgage loan applications to ensure compliance with company policies and federal/state regulations - Analyze borrower financials, credit reports, and property appraisals to determine eligibility - Assess risk and provide thorough loan decisions with clear explanations and conditions - Collaborate closely with processors, loan officers, and stakeholders to resolve questions and expedite the process - Stay up-to-date with industry trends, guidelines, and best practices Qualifications - Active DE and VA underwriting certification required - Must have used DE and VA designation within the last 11 months - Minimum 5 years of residential mortgage underwriting experience - Proven history of longevity in prior roles (average tenure, no frequent job changes) - Strong understanding of FHA, VA, Conventional, Non-QM, and Jumbo products - Experience with Encompass strongly preferred - Excellent analytical, organizational, and problem-solving skills - Strong communication skills and ability to collaborate effectively in a team environment Benefits - Salary: $85,000 – $115,000 per year - Bonus eligible - Full benefits package including: - Medical - Dental - Vision - Life Insurance - Paid vacation and sick time Company Description Please note that National Mortgage Staffing does not determine the salary, requirements, or qualifications for this role. We are contractually required to follow the criteria set forth by our clients. Thank you for your interest! If your background aligns with our clients' needs, one of our Recruiters will reach out. Please check your spam folder and voicemail for messages from our recruiters. Unfortunately, due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

Role Description As a Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to: - Bank Statement - DSCR (Debt Service Coverage Ratio) - Asset Depletion loans Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy. Qualifications - Minimum of 3+ years of experience in underwriting Non-QM loans. - Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products. - Experience Underwriting Non-QM roles within the last 6 months. - Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans. - Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail. - Excellent communication skills, both written and verbal. - Ability to work independently and as part of a collaborative team. - Strong organizational and problem-solving skills. Requirements - Underwrite and approve or deny loan applications based on the company’s guidelines, policies, and regulatory requirements. - Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues. - Ensure loan files are complete, accurate, and compliant before final approval or denial. - Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products. - Provide guidance and support to junior underwriters and other team members as needed. - Maintain a high level of productivity and quality assurance while meeting deadlines. Benefits - Salary: 90-100k

Role Description This Senior Underwriter role supports residential mortgage production by delivering consistent, compliant underwriting decisions across a range of borrower profiles. You’ll evaluate risk, document clear decisions and conditions, and partner closely with loan officers, processors, and internal stakeholders to move files efficiently while maintaining strong underwriting quality. - Evaluate residential mortgage loan applications to ensure compliance with company policies and applicable federal and state regulations - Analyze borrower financials, credit reports, and property evaluations to determine feasibility and overall risk - Assess loan risk and make recommendations based on thorough analysis of borrower profiles - Collaborate with loan officers, processors, and other stakeholders to expedite the underwriting process and resolve questions quickly - Provide clear, concise explanations for loan decisions and conditions to all parties involved - Stay current on industry trends, regulations, and best practices to maintain high-quality underwriting standards Qualifications - 5+ years of residential mortgage underwriting experience - At least 2 full years of hands-on underwriting experience with Non-QM and/or Jumbo loans - Strong verbal and written communication skills, including the ability to clearly explain decisions and conditions - Ability to work effectively with multiple stakeholders in a deadline-driven environment - Proficiency in Encompass is highly preferred - Experience with Microsoft Office is a plus - DE and VA designations a plus Benefits - Health, vision, and dental insurance - 401(k) - Health savings account - Life insurance - Vacation and sick time Company Description

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 RoleSoFi 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 SoFi 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 SoFi page! SoFi 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 RightsSoFi is committed to an inclusive culture. As part of this commitment, SoFi 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.