Full-Time
Home Loans Senior Credit Manager
Confirmed live in the last 24 hours
SoFi
1,001-5,000 employees
Offers diverse personal finance solutions
Senior, Expert
Company Historically Provides H1B Sponsorship
United States
Remote work is not available from Hawaii or Alaska.
You match the following SoFi's candidate preferences
Employers are more likely to interview you if you match these preferences:
- Minimum Education: Bachelor’s Degree or equivalent experience
- Minimum of 8 years’ experience across Home Equity & Mortgage, Underwriting or Credit Risk
- Must have experience and an understanding of how to evaluate an applicant's credit history, income, and assets to determine eligibility and the level of risk associated with approving a loan
- Strong analytical and critical thinking skills
- Knowledge of mortgage lending regulations, underwriting guidelines, and loan programs
- Knowledge of best in class Home equity underwriting (data, technology, guidelines)
- Financial analysis skills including interpreting credit reports, calculating income from complex personal and business tax returns
- Excellent communication skills to interact with key stakeholders
- Ability to work independently and prioritize tasks in a fast-paced environment
- Lead projects for Home loans including redesigning credit guidelines for loan originations and Portfolio Monitoring
- Identify opportunities to streamline processes including the automation of Underwriting such as income, assets, credit, etc.
- Conduct Gap Analysis to Investor Guidelines
- Serve as a subject matter expert and point of contact for various Home Lending products including Home Equity, Conforming, Jumbo, FHA and VA
- Review defective loans to determine the root cause
- Review credit exceptions and be able to determine if it is an acceptable risk based on compensating factors and the overall risk profile.
- Ensure credit policies are up-to-date and adhere to regulatory and internal requirements
- Track and analyze transaction volume and product
- Experience at a Fintech where streamlined approaches are used to review income, credit, collateral, etc.
- Experience in unsecured products that have a streamlined approach to Underwriting
SoFi provides a variety of financial services aimed at helping individuals manage their money effectively. Their offerings include home loans, personal loans, student loan refinancing, credit cards, and investment options. SoFi's platform is designed to be user-friendly and mobile-first, allowing members to easily access and utilize these services. The company differentiates itself from competitors by offering a comprehensive suite of financial products under one roof, along with educational resources to assist users in making informed financial decisions. SoFi's goal is to create a seamless experience for its members, encouraging them to engage with multiple services while fostering an inclusive environment.
Company Size
1,001-5,000
Company Stage
IPO
Total Funding
$4B
Headquarters
San Francisco, California
Founded
2011
Simplify's Take
What believers are saying
- Expansion into alternative investments attracts investors seeking diversification beyond traditional assets.
- Potential re-entry into the crypto market could position SoFi as a digital asset leader.
- Strong demand for personal loans suggests robust growth potential in this segment.
What critics are saying
- Increased scrutiny on private credit markets may impact SoFi's lending operations.
- Regulatory uncertainty in crypto services could expose SoFi to compliance risks.
- Rising interest rates may affect SoFi's loan refinancing business and customer debt management.
What makes SoFi unique
- SoFi offers a comprehensive suite of financial products under one platform.
- The company leverages mobile-first technology to enhance user experience and engagement.
- SoFi's member-first approach fosters a welcoming and inclusive environment for users.
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Benefits
You’re taken care of. SoFi employees receive comprehensive health, vision, dental, life insurance, and disability benefits—as well as flexible time off, fitness, fertility, and family planning options.
Realize your ambitions. We want to help our employees achieve financial freedom, just like our members. That’s why we contribute $200 per month toward your student loans to help pay down your debt—plus free financial classes.
Never stop learning. We offer frequent training, mentorship opportunities, and leadership programs to develop our people. We also cover tuition costs for approved programs, up to $5,250 per year.
Growth & Insights and Company News
6 month growth
↓ -6%1 year growth
↑ 0%2 year growth
↑ 0%Generally speaking, the more capital in the markets, the better — as that money finds its way into new growth opportunities (including innovative firms) and provides the backing for lending and other financial services activities. Through the past few years, private credit has proven to be a hyper-growth source of funding, estimated at $2 trillion by the International Monetary Fund and on track to nearly double by the end of the decade, according to some estimates. Increasingly Interconnected
Earnings season, like clockwork, offers up a dizzying mosaic of data and qualitative analysis of revenues, profits (or lack thereof) and high-level views of the economy. The state of the consumer also comes into focus. In taking stock of what banks, payment networks and digital-only platforms have shown in their earnings reports, supplementals and on the conference calls, a few key trends stand out — from the technology consumers use to make payments in an omnichannel world, to the pressures they face as they grapple with debt. Contactless Gains Favor in-Store
Galileo Financial Technologies says it is launching a co-brand debit card program. The new offering, announced by the SoFi-owned company Thursday (Feb. 20), is designed to let brands give debit users access to rewards normally reserved for credit card customers. “Galileo is the first to bring this type of program offering to the U.S. hospitality sector,” the company said in a news release provided to PYMNTS. “While co-brand credit rewards programs are common, debit users have largely been left out — until now.”
In 2012, SoFi launched its Student Loan Refinancing program for federal and private student loans.
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