Top 27 Mortgage underwriter Jobs in North Carolina

Mortgage Underwriter
SoFi —Charlotte, NC
- Hybrid work
- Mid-level
- Office
- Analysis skills
Mortgage Insurance Underwriter II
Anza Mortgage Insurance Corporation —Wilmington, NC
- Full-time
- Hybrid work
- Customer service
- Mid-level
- Office
- Health insurance
- Dental insurance
Quick Apply
Mortgage Underwriter
Fidelity Bank —Greensboro, NC
- Full-time
- Mid-level
- Residential
- Bachelor's degree
Quick Apply
Non-Agency Underwriter
Orion Lending —Charlotte, NC
- Overtime
- Mid-level
- Office
- Quality control
Mortgage Loan Underwriter
Coastal Credit Union —Raleigh, NC
- Full-time
- Hybrid work
- Office
- High school diploma or GED
- US work authorization
9d
Underwriting Team Lead
Orion Lending —Charlotte, NC
- Overtime
- Hybrid work
- 11+ years
- Office
- Mentoring
Sr Underwriter DE/VA/SAR
Orion Lending —Charlotte, NC
- Overtime
- Mid-level
- Quality control
- Mentoring
Senior Mortgage Loan Processor 1
Self-Help —Charlotte, NC
- Full-time
- Spanish
- Microsoft Excel
- Data analysis skills
Title Insurance Underwriter
Investors Title Insurance Company —Hickory, NC
- Full-time
- Mid-level
- Office
- Residential
- Profit sharing
- Disability insurance
Quick Apply
Processor
Alcova Mortgage LLC —Charlotte, NC
- $26 - $28 an hour
- Weekends as needed
- Microsoft Excel
- Microsoft Outlook
- Computer literacy
- Paid holidays
- Dental insurance
Quick Apply
8d
Regional Underwriting Manager
Orion Lending —Charlotte, NC
- Overtime
- Office
- Analysis skills
- Team management
Senior Commercial Real Estate Underwriter – Agency / CMBS Underwriting:
McCube Financial —Charlotte, NC
- Email
- Writing skills
- Mid-level
- Office
Qualification Specialist
NEIGHBORHOOD ASSISTANCE CORP. OF AMERICA —Charlotte, NC
- $50,000 - $75,000 a year
- Extended hours
- Spanish
- Mid-level
- Office
- Dental insurance
- 401(k)
Quick Apply
Mortgage Loan Processor
Mountain Credit Union —Waynesville, NC
- From $24.28 an hour
- Full-time
- Customer service
- Mid-level
- Office
- Health insurance
- Dental insurance
Quick Apply
2d
Mortgage Loan Originator
Jet HomeLoans, a Dream Finders Homes company —Leland, NC
- Weekends as needed
- Remote
- Customer service
- Mid-level
- Microsoft Office
- Health insurance
- Dental insurance
Mortgage Loan Originator
FIRST FLIGHT FEDERAL CU —Greenville, NC
- Full-time
- Customer service
- Mid-level
- Finance
Quick Apply
Charlotte, NC - Mortgage Loan Originator
Acrisure Mortgage, LLC —Charlotte, NC
- Full-time
- Background check
- Computer literacy
- Writing skills
Quick Apply
Account Manager
Orion Lending —Charlotte, NC
- Mid-level
- Bachelor's degree
- 2 years
Raleigh, NC - Mortgage Loan Originator
Acrisure Mortgage LLC —Raleigh, NC
- Full-time
- Remote
- Background check
- Computer literacy
- Writing skills
Quick Apply
Mortgage Loan Officer
Truliant Federal Credit Union —Charlotte, NC
- Full-time
- Writing skills
- English
- Office
- Wellness program
- Paid holidays
12d

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mortgage underwriter jobs near north carolina

Mortgage Underwriter

SoFi -
Charlotte, NC

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Job Details

Qualifications

Income verification
Automated underwriting system
Federal Housing Administration (FHA) loans
Credit risk assessment
Financial statement analysis
Consumer lending analysis in risk and credit
Conventional mortgage loans
Quality control management
Financial report interpretation
Financial statement interpretation
Collateral evaluation (loan underwriting)
Credit report analysis
Automated underwriting

Full Job Description

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.

The Role

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX or Charlotte, NC.
You'll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You'll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability.

What You'll Do

Review and underwrite mortgage applications using investor/GSE guidelines.
Perform detailed analysis of borrower credit, income, and collateral — including complex and self-employed income calculations.
Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).
Make timely, compliant underwriting decisions in line with SoFi and investor standards.
Manage a high-volume pipeline, balancing quality (QC) and production SLAs — goal of 5+ new credit decisions per day.
Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.
Identify and escalate potential fraud risk or guideline exceptions.
Apply deep working knowledge of DU/LP systems and investor overlays.
Contribute to continuous process improvement through collaboration and feedback.

What You'll Need

Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.
Strong analytical ability and independent risk assessment judgment.
Proficiency in DU, LP, and FHA Connection systems.
Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.
Thorough understanding of credit policy, financial statement analysis, and property evaluation.
Strong communication skills — able to explain complex scenarios clearly and professionally.
Experience maintaining both quality control metrics and high production throughput.
Familiarity with Texas-specific lending nuances preferred.
Hybrid work schedule: 2 days per week in the Frisco, TX office.

Nice-to-Haves

Active SAR or VA credit authority
Active FHA DE (Direct Endorsement) certification
Experience underwriting Jumbo or USDA loans
College degree
Background in fraud detection or risk mitigation

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 Rights

SoFi 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.

Apply Now

Refine Your Search

mortgage underwriter jobs in north carolina

Mortgage Underwriter

Mortgage Insurance Underwriter II

Mortgage Underwriter

Non-Agency Underwriter

Mortgage Loan Underwriter

Underwriting Team Lead

Sr Underwriter DE/VA/SAR

Senior Mortgage Loan Processor 1

Title Insurance Underwriter

Processor

Regional Underwriting Manager

Senior Commercial Real Estate Underwriter – Agency / CMBS Underwriting:

Qualification Specialist

Mortgage Loan Processor

Mortgage Loan Originator

Mortgage Loan Originator

Charlotte, NC - Mortgage Loan Originator

Account Manager

Raleigh, NC - Mortgage Loan Originator

Mortgage Loan Officer

I want to receive the latest job alert for mortgage underwriter in north carolina

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The Role

What You'll Do

What You'll Need

Nice-to-Haves

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 Rights

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

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