Senior Manager, Underwriting

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 into the purchase market by recruiting, onboarding, and mentoring 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.

• 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.

• 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.