Software Engineer, Full-Stack (Hybrid / Baltimore. MD)

Job TypeFull-timeDescriptionBuild the Infrastructure That helps Move the Mortgage Industry ForwardWhat 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 strategyContribute to open-source MCP servers and CLI tooling with real external reachWork in a purposeful, well-supported stack: C# .NET Core + React + AWSBring 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 livesIf you're a builder ready to grow fast, contribute meaningfully, and do work worth pointing to...keep reading.Job OverviewThe 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 MissionTo 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 roleREST 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.RequirementsEssential Functions:As a Mid-Level Software Engineer, Full-Stack, you will:Design and develop REST APIs and backend servicesBuild and contribute to open-source MCP servers and CLI toolingDevelop and maintain front-end features using React (~25% of role)Work as part of an agile, cross-functional engineering/product teamWrite and maintain unit testsTroubleshoot and resolve issues across AWS environments and CI/CD pipelinesMaintain and improve legacy software systemsParticipate in code reviews and contribute to a culture of engineering excellenceRequired Education and Experience3-5 years of experience as a software engineerExperience with C# .NET Core development (OOP languages such as Java considered)Experience developing and deploying REST APIsExperience with React and front-end UI developmentExperience with SQL and relational databasesExperience writing Unit TestsFamiliarity with AWS products and tools (troubleshooting and navigation)Experience with Git-based version control (Bitbucket, GitHub, or similar) in a collaborative team environmentConceptual understanding of CI/CD pipelines and the ability to troubleshoot pipeline issuesExperience working in an Agile development environmentBachelor'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 allAdditional/Preferred Experience would include.Experience building or working with Model Context Protocol (MCP) servers - strong plusExperience with Entity Framework or similar ORM frameworks - strong plusExperience with AI/LLM integration - either building AI-powered software or delivering AI-enabled product features - strongly encouragedExperience developing CLI tooling (framework agnostic)Familiarity with AWS Lambda and AWS API GatewayExperience with OpenSearch or ElasticsearchExperience with DataDog or similar observability platformsFamiliarity with SSO, SAML, and/or OAuth authentication protocolsExperience with C++Experience coding in a secure environmentExperience with XML/JSONExperience with Atlassian tools (Jira, Confluence)Experience in a start-up environmentCompetencies, Criteria, and Attributes for SuccessJob Specific Competencies:Technical / AnalyticalComplex Problem SolverSense of UrgencyTeam orientedAdaptableProfessionalDetail orientationCore Competencies...AKA the X-FactorWe 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 DetailsPosition Type: Full-TimeThis is a full-time position that may require long hours and occasional weekend work.Classification: ExemptSupervisory: No direct supervisory duties. This position does require management of projects including directing project related activities of the project team members.Travel: NAAbout CreditXpert Inc.Some of what you can expect as an employee at CreditXpertMeaningful Mission!Creative, Performance Driven CultureHigh Employee Engagement and Employee SatisfactionAn Incredible Workspace - great location/hassle free parkingGreat Healthcare Benefits - most are 100% company paidGenerous Paid Leave(s)Hybrid Work ArrangementsProfessional Development and Tuition AssistantWho we areCreditXpert 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 doIn 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 leverageAgile FrameworksSystems + ToolsMySQLAWSAtlassian: Jira and ConfluenceFamiliarity with Computational OptimizationBitbucket and CICDLanguages:C#.NET CoreTypescript/ReactSQLOptional: Rust, C++ PythonCompensation & Where You'll WorkWe 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 bonusWe'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 plansFlexible PTOCompany 401(k) contributionHSA and FSA optionsST/LT disability and life insuranceProfessional development and tuition assistanceWe built this package intentionally - so you can focus your energy on the work, not on what's missing.Work EnvironmentThis 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 DemandsThe 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.