Home Loan Member Advocate

<div class="content-intro"><p><a href="https://www.sofi.com/sofi-employee-applicant-privacy-notice/" target="_blank"><strong>Employee Applicant Privacy Notice</strong></a></p> <p><strong>Who we are:</strong></p> <div> <p>Shape a brighter financial future with us.</p> <p>Together with our members, we’re changing the way people think about and interact with personal finance.</p> <p>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. <strong>Join us to invest in yourself, your career, and the financial world.</strong></p> </div></div><h2 class="w6asjq_TextBase GgxHUa_Title PDq2pG_selectionAnchorContainer" data-d-component="title" data-d-size="lg" data-d-weight="semibold">The role:</h2> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">As a Home Loans Member Advocate, you will serve as a subject matter expert in loan restructuring, loan conversion, and complex income analysis. This role combines mortgage underwriting expertise with member-facing consultation to identify solutions that support loan conversion, business retention, and an exceptional member experience.</p> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">You will evaluate mortgage and home equity scenarios ranging from straightforward to highly complex, analyzing borrower income, tax documentation, credit profiles, and applicable lending guidelines to identify viable restructuring opportunities. You will also work directly with members to present and negotiate revised loan terms, resolve financing challenges, and help borrowers move successfully toward closing.</p> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Working closely with Sales, Processing, Underwriting, and Secondary Marketing, you will balance member needs, regulatory compliance, and business objectives to improve conversion rates and deliver timely, effective lending solutions.</p> <h2 class="w6asjq_TextBase GgxHUa_Title" data-d-component="title" data-d-size="lg" data-d-weight="semibold">What you'll do:</h2> <ul class="PSWZZq_List" data-d-component="list" data-d-marker="bullet" data-d-marker-layout="native"> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Analyze and execute loan restructuring solutions for mortgage and home equity transactions, including complex borrower income scenarios involving self-employment, multiple business entities, and nontraditional income sources.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Perform detailed income and liquidity calculations using personal and business tax returns, including IRS Forms 1040, 1065, and 1120S, Schedule L, Schedule K-1, and profit and loss statements.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Identify, troubleshoot, and resolve complex eligibility scenarios involving Fannie Mae, Freddie Mac, FHA, VA, Jumbo, and other non-conforming lending guidelines.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Evaluate borrower credit, income, assets, collateral, and overall risk to identify viable loan restructuring options while maintaining underwriting accuracy and regulatory compliance.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Utilize automated underwriting systems, including Desktop Underwriter (DU) and Loan Product Advisor (LPA), to validate restructured loan scenarios and eligibility.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Manage a pipeline of approximately 10–15 active files, prioritizing timely resolutions, maintaining production service-level agreements (SLAs), and maximizing lock-to-fund conversion rates.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Engage directly with members through outbound and escalated interactions to present restructuring options, explain revised loan terms, negotiate solutions, and retain business.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Partner with Secondary Marketing to evaluate pricing and restructuring options that meet member needs while maintaining appropriate profitability margins.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Collaborate with Sales, Processing, Underwriting, and Secondary Marketing to resolve loan conditions, minimize cycle times, and facilitate successful loan closings.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Take ownership of escalated and high-risk files, identifying solutions that improve retention, member satisfaction, and overall conversion performance.</p> </div> </div> </li> </ul> <h2 class="w6asjq_TextBase GgxHUa_Title" data-d-component="title" data-d-size="lg" data-d-weight="semibold">What you'll need:</h2> <ul class="PSWZZq_List" data-d-component="list" data-d-marker="bullet" data-d-marker-layout="native"> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">Active NMLS licensing and ability to meet all applicable federal licensing requirements, including required background checks and fingerprinting.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">3+ years of combined experience in licensed mortgage loan origination, mortgage underwriting, or senior-level loan restructuring.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list-item" data-d-marker-layout="native"> <div class="PSWZZq_Content"> <div class="PSWZZq_Label"> <p class="w6asjq_TextBase _85PZeG_Text" data-d-component="text">In-depth knowledge of Fannie Mae, Freddie Mac, FHA, and VA lending guidelines, including experience evaluating complex loan eligibility and restructuring scenarios.</p> </div> </div> </li> <li class="PSWZZq_Item" data-d-component="list