Mid-Level Software Engineer (Full-Stack)

Build the Infrastructure That helps Moves the Mortgage Industry Forward

What if your code helped millions of Americans qualify for a home?

At CreditXpert, that's not a marketing line, it's what we ship. For over 20 years, we've been quietly powering one of the most consequential decisions in a person's financial life: homeownership. And right now, we're in the middle of something big.

We're expanding our API-first platform at the intersection of FinTech, advanced analytics, and AI and we need a sharp, motivated full-stack engineer to help us get there. You won't get lost in a sprawling org chart or buried in meetings. You'll be part of a small team of top performers who own their work end-to-end, ship things that matter, and push each other to grow.

Here's what makes this role different:

• Design and ship production-grade REST APIs at the core of our platform strategy
• Contribute to open-source MCP servers and CLI tooling with real external reach
• Work in a purposeful, well-supported stack: C# .NET Core + React + AWS
• Bring your curiosity about AI/LLM and agentic frameworks to a team actively building in that space (we use Claude Code daily)
• Do it all in service of a mission that genuinely improves people's financial lives

If you're a builder ready to grow fast, contribute meaningfully, and do work worth pointing to...keep reading.

Job Overview

The Mid-Level Software Engineer (Full-Stack) will play a key role in building and evolving CreditXpert's product ecosystem. Operating with a high degree of autonomy within a supportive mentor/mentee relationship with their Technical Lead, this engineer will be instrumental in designing and delivering robust REST APIs, contributing to agentic tooling, and advancing workflow capabilities and user experience for CreditXpert's customers. At CreditXpert, you will be part of a small team of top performers who are passionate about our core values and excited about our mission.

Job Mission

To build innovative, scalable, and reliable applications that enable mortgage lenders to leverage advanced analytics for risk management and decision support, helping make homeownership more accessible and affordable through cutting-edge FinTech solutions.

What you will do | Most important responsibilities of this role

• REST API Development – Design, build, and maintain production-grade REST APIs that serve as the foundation of CreditXpert's API-first strategy.
• Agentic & Developer Tooling – Contribute to the development and release of Model Context Protocol (MCP) servers and CLI tooling designed to help customers rapidly integrate and adopt CreditXpert's API.
• Full-Stack Feature Development – Develop and maintain full-stack features using C# .NET Core on the backend and React on the front end, ensuring high quality across approximately 75% backend/API and 25% front-end work.
• Software Maintenance & Iteration – Maintain and enhance legacy software systems while contributing to new feature development, ensuring sustained performance and alignment with business needs.
• Agile Collaboration – Work closely within the Engineering/Product organization in an agile environment, collaborating with product managers, senior engineers, and the Technical Lead to deliver high-quality solutions.
• Quality Assurance & Testing – Write and execute unit tests to ensure code stability, reliability, and performance.
• Continuous Learning – Stay current with emerging technologies — including AI/LLM tooling, agentic frameworks, and cloud-native development practices — and bring forward innovative approaches to product and tooling challenges.

How you will do it | The ideal hire will…

• Backend & API Excellence – Leverage deep expertise in C# .NET Core (and/or comparable OOP languages such as Java) to build reliable, maintainable backend services and REST APIs integrated with SQL relational databases.
• Open-Source Developer Experience – Contribute to the design and distribution of MCP servers and CLI tools as open-source software, enabling external customers to accelerate their adoption of CreditXpert's API platform.
• Cloud Fluency – Work confidently within AWS environments — navigating AWS products, services, and tooling to troubleshoot issues and support operational needs.
• Version Control & CI/CD Awareness – Use Git-based version control tools (Bitbucket, GitHub, or similar) effectively for collaborative, team-based development, with an understanding of CI/CD concepts sufficient to identify and help resolve pipeline issues.
• AI/LLM Orientation – Bring curiosity and practical experience with AI/LLM technologies — whether in building AI-powered features or integrating LLM capabilities into software products — to help drive CreditXpert's agentic roadmap forward. Our engineering team actively uses Claude Code.
• Autonomous Yet Collaborative – Thrive in a high-autonomy, mentor/mentee dynamic — taking ownership of work while leveraging the Technical Lead and senior team members for guidance and growth.

Requirements:

Essential Functions:

As a Mid-Level Software Engineer, Full-Stack, you will:

• Design and develop REST APIs and backend services
• Build and contribute to open-source MCP servers and CLI tooling
• Develop and maintain front-end features using React (~25% of role)
• Work as part of an agile, cross-functional engineering/product team
• Write and maintain unit tests
• Troubleshoot and resolve issues across AWS environments and CI/CD pipelines
• Maintain and improve legacy software systems
• Participate in code reviews and contribute to a culture of engineering excellence

Required Education and Experience

• 3–5 years of experience as a software engineer
• Experience with C# .NET Core development (OOP languages such as Java considered)
• Experience developing and deploying REST APIs
• Experience with React and front-end UI development
• Experience with SQL and relational databases
• Experience writing Unit Tests
• Familiarity with AWS products and tools (troubleshooting and navigation)
• Experience with Git-based version control (Bitbucket, GitHub, or similar) in a collaborative team environment
• Conceptual understanding of CI/CD pipelines and the ability to troubleshoot pipeline issues
• Experience working in an Agile development environment
• Bachelor's degree in a technical field (Engineering, Computer Science, or equivalent)
• A genuine commitment to CreditXpert's mission: to make homeownership more affordable and attainable for all

Additional/Preferred Experience would include.

• Experience building or working with Model Context Protocol (MCP) servers — strong plus
• Experience with Entity Framework or similar ORM frameworks — strong plus
• Experience with AI/LLM integration — either building AI-powered software or delivering AI-enabled product features — strongly encouraged
• Experience developing CLI tooling (framework agnostic)
• Familiarity with AWS Lambda and AWS API Gateway
• Experience with OpenSearch or Elasticsearch
• Experience with DataDog or similar observability platforms
• Familiarity with SSO, SAML, and/or OAuth authentication protocols
• Experience with C++
• Experience coding in a secure environment
• Experience with XML/JSON
• Experience with Atlassian tools (Jira, Confluence)
• Experience in a start-up environment

Competencies, Criteria, and Attributes for Success

Job Specific Competencies:

• Technical / Analytical
• Complex Problem Solver
• Sense of Urgency
• Team oriented
• Adaptable
• Professional
• Detail orientation

Core Competencies…AKA the X-Factor

We hire and retain Xceptional people to join our team, do you have the X-Factor?

• Team Player – You are a joiner that is comfortable working outside of the boundaries of your job description to support the company and team.
• Respected – You value integrity, display leadership qualities, and you are trusted to represent the brand well – internally and externally.
• Judiciously Courageous – You are courageous enough to judiciously speak up.
• Composed – You are composed, respectful, and calm. Valuing outcomes over output.
• Accountable – You own your work, decisions, and the outcomes – good or bad.
• No Ego – You are confident without having an ego. People say you are an active listener. You delegate where necessary, knowing that you can’t possibly know it all.
• Builder Mindset – Has an open mindset. You’d consider yourself a strategic doer.
• Focused - You easily differentiate between real problems and background noise.

Additional Details

Position Type: Full-Time

This is a full-time position that may require long hours and occasional weekend work.

Classification: Exempt

Supervisory: No direct supervisory duties. This position does require management of projects including directing project related activities of the project team members.

Travel: NA

About CreditXpert Inc.

Some of what you can expect as an employee at CreditXpert

• Meaningful Mission!
• Creative, Performance Driven Culture
• High Employee Engagement and Employee Satisfaction
• An Incredible Workspace - great location/hassle free parking
• Great Healthcare Benefits - most are 100% company paid
• Generous Paid Leave(s)
• Hybrid Work Arrangements
• Professional Development and Tuition Assistant

Who we are

CreditXpert Inc. is a successful software company that enjoys the freedom to chart its own path. Our team is a small, close-knit community, where each person can make a big impact. We are nimble and have thrived for over 20 years in the midst of constant industry and regulatory upheaval. We believe in using our talents to make a positive impact on the world by improving the financial lives of Americans. As lifelong learners, we have a passion for change and we constantly adapt everything (our business, internal processes, tools…).

We enjoy a wide diversity of backgrounds and opinions, which can lead to passionate debates. We wear multiple hats, often stretch beyond our comfort zone, and see failure as an opportunity to learn. We have fun inventing advanced analytical solutions and creating great user experiences.

What we do

In 2000, we started a revolution by exposing the inner workings of the credit scoring industry to consumers, pioneering a new industry. Millions of people have been using our tools to take control of their credit life, gain access to better loans, and save money. More recently, we enabled the mortgage origination industry to replace guesswork with technology when trying to improve credit scores. As a result, more consumers now qualify for a mortgage at a good rate, and thousands of loan officers, mortgage lenders and other businesses can better serve their customers.

Tech Stack and Frameworks we leverage

Agile Frameworks

Systems + Tools

• MySQLAWS
• Atlassian: Jira and Confluence
• Familiarity with Computational Optimization
• Bitbucket and CICD

Languages:

• C#.NET Core
• Typescript/ReactSQL
• Optional: Rust, C++ Python

Compensation & Where You'll Work

We strive to create a great experience for our team, not just our customers. We want everyone to be excited about their work, fulfilled and worry-free. That’s why we offer lots of autonomy, support, and the flexibility you need to balance your life. Our compensation and benefits package ensures that you can focus all your energy on creating value for our customers and the company.

Salary: $130,000 – $150,000 base, plus performance-based annual bonus

We're based just outside of Baltimore near Hampden, and we operate on a hybrid schedule with a minimum 2 days in office per week, with the door always open for more days. Our office comes with a great location, catered lunches (M-TH), and hassle-free parking, so the days you are in are easy ones.

Beyond base and bonus, our benefits package includes:

• 100% company-paid healthcare (medical, dental, vision) for most plans
• Flexible PTO
• Company 401(k) contribution
• HSA and FSA options
• ST/LT disability and life insurance
• Professional development and tuition assistance

We built this package intentionally — so you can focus your energy on the work, not on what's missing.

Work Environment

This job generally operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, scanners, and shared digital files.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to use hands to handle or feel; and reach with hands and arms. The employee is occasionally required to sit and stoop or kneel. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust and focus.

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position. Duties, responsibilities and activities may change at any time with or without notice.