Easy Apply
Easy Apply
The Senior Manager, Underwriting leads a high-performance underwriting team, manages the underwriting lifecycle, ensures quality and accuracy in decision-making, and influences the technology roadmap for home lending.
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.
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.
- 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.
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 [email protected].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.
Similar Jobs at SoFi
Fintech • Mobile • Software • Financial Services
The Lock Desk Analyst ensures compliance with loan pricing standards and assists loan officers with rate locks and data entry. Responsibilities include monitoring locks, confirming pricing accuracy, and training team members.
Top Skills:
EncompassExcelOptimal Blue
Fintech • Mobile • Software • Financial Services
The Director of Card Fraud leads strategies to minimize card fraud losses, manages a team, collaborates with various departments, and ensures compliance with regulations.
Top Skills:
PythonRSQL
Fintech • Mobile • Software • Financial Services
Lead the development of a centralized framework for credit data engagement with CRAs, managing vendor relationships and ensuring compliance with regulations while focusing on data integrity and performance optimization.
Top Skills:
Cloud Data EnvironmentsData EcosystemsFcraGdpr
What you need to know about the Austin Tech Scene
Austin has a diverse and thriving tech ecosystem thanks to home-grown companies like Dell and major campuses for IBM, AMD and Apple. The state’s flagship university, the University of Texas at Austin, is known for its engineering school, and the city is known for its annual South by Southwest tech and media conference. Austin’s tech scene spans many verticals, but it’s particularly known for hardware, including semiconductors, as well as AI, biotechnology and cloud computing. And its food and music scene, low taxes and favorable climate has made the city a destination for tech workers from across the country.
Key Facts About Austin Tech
- Number of Tech Workers: 180,500; 13.7% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Dell, IBM, AMD, Apple, Alphabet
- Key Industries: Artificial intelligence, hardware, cloud computing, software, healthtech
- Funding Landscape: $4.5 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Live Oak Ventures, Austin Ventures, Hinge Capital, Gigafund, KdT Ventures, Next Coast Ventures, Silverton Partners
- Research Centers and Universities: University of Texas, Southwestern University, Texas State University, Center for Complex Quantum Systems, Oden Institute for Computational Engineering and Sciences, Texas Advanced Computing Center
