Mortgage Loan Officer

Mortgage Loan Officers (MLOs) drive SoFi Lending’s Mortgage sales team. MLOs are ultimately responsible for the customer experience throughout the mortgage origination process by guiding the customer through the process of qualification, structuring a deal, underwriting, rate-lock, closing and funding.

By joining SoFi, you’ll become part of a forward-thinking technology company that is transforming financial services with innovative loan products and investment tools. Recently ranked as one of the fastest growing fintech companies in the Bay Area, we’ve grown from 150 to 500+ employees in the past year and just raised a $1 Billion round of funding. We offer the excitement of a rapidly growing startup with the stability of a seasoned management team.


  • Evaluate initial loan applications and documentation to confirm credit worthiness and ability to repay
  • Complete initial analysis of applicants’ credit, income, by verifying initial decisions and communicating this to the applicant
  • Communicate critical origination timeline, product, pricing and underwriting requirements to all applicants
  • Perform outbound calls to applicants and work with the applicant to ensure receipt of required documentation critical to successfully move loans through the sales process to funding
  • Communicate suspense, loan approval and/or declinations to ensure customer is informed at all times
  • Coordinate and manage realtors, builders, mobile signers and other third parties
  • Oversee loan process to ensure timely delivery and content communication with borrower of initial disclosures, changed circumstance re-disclosing, delivery of closing disclosure and closing documents.
  • Improve upon and refine sales and customer service knowledge and techniques via ongoing training

Qualifications and Requirements:

  • Professional demeanor and strong work ethic with the ability to establish and build working relationships with SoFi applicants, guiding them from initiation to successful completion of the loan process
  • Strong verbal and written communication skills
  • Background or previous experience in financial services and sales in an inbound call center
  • Ability to establish and maintain working relationships with team members
  • Must be computer literate with above average proficiency in MS Office and internet skills
  • Ability to learn and navigate multiple systems / applications / workflows
  • Ability to exhibit grace under pressure, while successfully navigating stressful work assignments or situations efficiently and effectively
  • Ability to meet critical deadlines under stressful conditions
  • Self-motivated and able to work independently
  • Able to move between tasks and duties quickly and efficiently
  • Excellent organizational skills
  • Excellent prioritization and time management skills

Minimum Knowledge, Skills, and Abilities:

  • Two to four (2-4) years successful origination of residential mortgage loans;
  • Strong knowledge of federal, state and/or regulatory requirements of mortgage lending
  • Overall good knowledge and understanding of mortgage product, pricing and underwriting guidelines
  • Consultative sales skills in a mortgage sales organization
  • High volume transaction processing experience exhibiting the ability to follow written procedures and processes with a high level of accuracy and attention to detail


  • BA degree desired
  • Must be registered with the Nationwide Mortgage Licensing System (NMLS), and have passed the Nationwide and California exams, with the willingness and ability to become licensed in additional states after employment starts, at the company’s expense

Please note: some evenings and weekend days will be required manage volume.

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