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.

Leader Bank is looking for exceptionally dedicated team members to join one of the region's fastest growing community banks and mortgage lenders. At the time of its founding in 2002, Leader Bank had one branch office, $6.5 million in assets and 7 team members. Since then, the Bank has become one of the most successful banks in Massachusetts with $4 billion in assets, more than 400 team members, 6 branch offices, and annual mortgage originations of over $2 billion. Exemplary products and an innovative spirit have driven Leader Bank's rapid growth over the years, and our team members embrace these values. Our mission is to obsess over our clients, make them feel valued, and maintain long-term relationships with them by constantly enhancing our products and processes to always be improving our client experience. For our team members, Leader Bank prioritizes competitive compensation and benefits, a healthy work-life balance, and an environment that fosters diversity and inclusion. Summary Leader Bank has an immediate opening for a residential mortgage loan Underwriter. The Underwriter will demonstrate knowledge of the mortgage industry and assist with planning and reporting in accordance with Leader Bank, compliance with federal laws, corporate standards and generally accepted quality assurance and underwriting principles. Responsibilities - Reviewing, examining, and underwriting loans to ensure soundness, accuracy, business value and compliance with the standards of both Leader Bank, our corresponding investors. - Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various other factors (including risk issues and potential fraud) - Assisting in identifying, recommending and/or negotiating alternative loan requirements, funding and/or loan-structuring solutions. - Reviewing and analyzing special conditions, loan deficiencies and exception requests to determine the appropriate action. - Coaching field personnel and brokers on technical underwriting issues, problems and/or questions. - Regularly exercising discretion and independent judgment in addressing critical business matters that have a significant financial impact. Qualifications - Minimum of two years underwriting experience. - Experience in underwriting FHA loans. (preferred) - Experience underwriting condominiums. (preferred) - Understand the legal, regulatory, economic, competitive, and technological environments which potentially affect various real-estate lending programs. - Flourish in a fast-paced inside sales workplace environment. - Possess extensive understanding of underwriting systems and their components. - Have computer skills. - Advanced customer-interface skills. - Possess excellent analytical, interpersonal and communication skills (both written and verbal) The base salary range below represents the low and high end of the Leader Bank salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Salary Minimum: $65,443.00 - Salary Max: $98,165.00 The range listed is just one component of Leader Bank's total compensation package for team members. Other rewards may include annual bonuses, commissions, short- and long-term incentives, and program-specific awards. In addition, Leader Bank provides a variety of benefits to eligible team members, including health insurance coverage, a team member wellness program, life and disability insurance, a retirement savings plan, paid holidays and paid time off and vacation. Leader Bank, N.A., is an Equal Opportunity and Affirmative Action employer and does not discriminate on the basis of race, color, religion, age, gender, marital status, sexual orientation, national origin, disability, military status, veteran status or any other protected class. Leader Bank is an E-Verify® participant. * For more information, click on the links below: https://www.everify.gov/sites/default/files/everify/images/manuals/EVParticipationPoster.JPG https://www.e-verify.gov/sites/default/files/everify/images/manuals/IERPoster.jpg * E-Verify® is a registered trademark of U.S. Department of Homeland Security