Review new business submissions and maintain documentation, process endorsements and claims, and communicate effectively with underwriters and brokers while adhering to insurance guidelines and quality standards.

Non-QM Underwriter Department: NightOwl Internal Employment Type: Full Time Location: Back Office Compensation: ₱80,000 - ₱120,000 / month Description Must have at least [4] years of mortgage underwriting experience, including specific expertise in non-QM loan products We are looking for an experienced Non-QM (Non-Qualified Mortgage) Underwriter to join our dynamic team. The ideal candidate will have in-depth knowledge of underwriting non-QM loans, ensuring compliance with company guidelines and industry regulations while supporting the needs of borrowers who do not meet traditional mortgage standards. This role requires a detail-oriented professional with the ability to assess complex income documentation, analyze risk, and make informed underwriting decisions. Key Responsibilities - Review and evaluate loan applications, including credit, income, assets, and property details, to determine borrower eligibility for non-QM loans. - Analyze complex financial information, including alternative documentation types (e.g., bank statements, asset depletion, and debt service coverage). - Assess risk and make sound underwriting decisions in accordance with company guidelines and applicable regulations. - Work collaboratively with loan officers, processors, and other team members to obtain additional information or documentation needed for underwriting. - Maintain a comprehensive understanding of non-QM lending products and stay updated on industry trends and changes in regulations. - Ensure timely and efficient processing of loan files to meet closing deadlines. - Provide clear and accurate feedback on loan conditions and communicate effectively with internal teams to resolve any outstanding issues. - Assist in developing and updating underwriting policies and procedures specific to non-QM products. - Deliver exceptional customer service by responding promptly to inquiries and providing expert guidance. Skills, Knowledge and Expertise - Bachelor’s degree in finance, business, or a related field preferred. - Minimum of [4] years of mortgage underwriting experience, with specific expertise in non-QM loan products. - Thorough knowledge of mortgage lending guidelines, including non-QM product types and alternative documentation methods. - Strong analytical skills and attention to detail. - Proficiency in mortgage software systems and Microsoft Office Suite. - Ability to work efficiently under pressure and manage multiple files simultaneously. - Strong verbal and written communication skills. - Proven problem-solving capabilities and the ability to make decisions with confidence. Benefits - Above market salary - HMO on Day 1 for principal and two dependents - Government-mandated benefits - Performance-based Incentives - Quarterly Company Events - In-depth training for career growth - Great Company Culture and HR experience - 1,000 PHP De Minimis - Equipment and software provided

JOB TITLE: Senior Home Loan Government Underwriter DEPARTMENT: Home Loan Underwriting STATUS: Non-Exempt JOB CODE:1836 PAY SCALE: $49.55 - $52.00 Hourly GENERAL DESCRIPTION: Responsible for the evaluation and qualification of Government loans inclusive of FHA, VA, USDA and down payment assistance program(s) for compliance with the requirements of the applicable agency; hold and maintain direct endorsement certification with HUD, VA LAPP/ SAR designation. Also responsible for the review of conforming and non-conforming mortgages as well as equity loan applications to determine compliance with applicable state and federal regulations, investor guidelines and credit union standards. Review and analyze submitted loans for capacity, capital, collateral, character and condition while upholding fair lending practices. This includes ensuring that loan requests meet program and product specifications or counteroffer to a product and/or program when appropriate. Communicate decision (approval, counteroffer, suspense, denial) to applicable individuals within the department. Manage application turn time by executing credit decision according to the measurement set by department manager; meet targets. Support Underwriters, Processors and Home Loan Advisors as needed with scenarios and loan structuring. TASKS, DUTIES, FUNCTIONS: - Underwrite loan files received daily according to Federal Housing Administration (FHA), Veteran Affairs (VA), US Department of Agriculture (USDA), agency, investor and credit union policy and procedures. - Originate and validate FHA and VA insured loans utilizing the U.S. Department of Housing and Urban Development’s (HUD) direct online system, FHA Connection and VA Portal, as applicable. - Review and sign off underwriting conditions in accordance to credit union policy while maintaining established turn times. - Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. - Current knowledge of FHA, VA and USDA secondary market requirements regarding credit, income, disclosure and property that would also include, hands on experience using various agency related internet and computer based systems as necessary/required. - Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation to insure that information meets agency, investor and credit union requirements. - Organize and prioritize daily workload to insure compliance to credit union policy, procedures and established turnaround times. - Communicate and interact with all pertinent vendors, servicers, agencies, investors, staff, brokers and members. - Maintain a current working knowledge of mortgage industry and credit union standards and trends. - Monitor and resolve any quality control or insuring issues on relevant files in a timely manner to prevent delays. - Work with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates. - Ability to work closely with originations and operations staff to insure compliance with guidelines and policies of credit union and agency. - Assist supervisor or manager with training of staff members. - Assist supervisor or manager with prioritizing workflow as directed. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS - Effective oral and written communication skills to interact with members, staff, vendors, servicers, investors and various state agencies. - Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: - INTERNAL: Management, Home Loan Operations Department staff along with credit union branches and supporting departments. - EXTERNAL: Members, real estate agents, servicing agents, various state agencies, title companies, insurance companies, appraisers and other third-party vendors. QUALIFICATIONS: - EDUCATION: Successful completion of High School curriculum is required. College degree or equivalent a plus. - EXPERIENCE: 3 years minimum, current FHA experience with DE, VA experience with LAPP/ SAR designation. 10 years minimum of responsible real estate lending experience with a financial or banking institution performing underwriting analysis and functions. - KNOWLEDGE/SKILLS: - Strong customer/ member service relations skills, oral and written communication skills. - Current working knowledge of the real estate mortgage industry, mortgage loan process, FNMA, and FHLMC and guidelines and reasonable knowledge of the basic principles and practices of related businesses. - Typing, ten key, personal computer to include navigation of internet and facsimile machines. - Updated training provided through seminars, webinars and weekly coaching as Compliance, policies, procedures, or work processes dictate change. - Ability to effectively communicate policy/procedures to staff to assist the supervisor and or manager with training. PHYSICAL REQUIREMENTS - Prolonged sitting throughout the workday with occasional mobility required. - Corrected vision within the normal range. - Hearing within normal range. A device to enhance hearing will be provided if needed. - Ability to lift 20 lbs. as may be required. - Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. LICENSES/CERTIFICATIONS: - FHA Direct Endorsement Underwriter, VA LAPP/ SAR Designation. #LI-Remote Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME. REV. 3/13/2026

Are you early in your underwriting career and eager to grow with a company that truly invests in its people? MEM Insurance is seeking an Associate Underwriter to join our Underwriting team. This entry‑level role offers hands‑on experience supporting the review, analysis, and servicing of workers’ compensation accounts while developing a strong foundation in underwriting best practices. As an Associate Underwriter, you will work closely with experienced underwriters, producers, and internal partners while learning MEM’s underwriting philosophy, tools, and approach to risk. This role is ideal for someone who is motivated to learn, values collaboration, and is excited to build a long‑term career in the insurance industry. Essential Duties and Responsibilities - Support the underwriting and servicing of an assigned book of workers’ compensation business under general supervision, applying MEM’s underwriting philosophy, guidelines, and rating methodology. - Evaluate and analyze risk information, including insured operations, employee exposures, and loss history, to support accurate and compliant underwriting decisions. - Communicate underwriting decisions to producers, including coverage acceptance or declination, endorsements, pricing, and policy changes. - Gather, review, and assess additional information as needed to ensure underwriting decisions comply with workers’ compensation laws, regulations, and company standards. - Build and maintain strong working relationships with producers, policyholders, and internal partners through clear, professional, and timely communication. - Refer risks or transactions outside of assigned authority to senior underwriters or management, as appropriate. - Deliver timely, accurate, and high‑quality service while meeting established quality, turnaround, and compliance expectations. - Collaborate with Sales Executives and Producer Services to support shared objectives and strengthen agency relationships. - Participate in departmental and cross‑functional projects and engage in ongoing learning opportunities to support professional development. - Perform all responsibilities in alignment with MEM’s vision, mission, and values, maintaining ethical, professional, and confidential standards at all times. Qualifications - Bachelor’s degree in Business Administration, Insurance and Risk Management, or a related field, or an equivalent combination of education and experience. - Insurance industry coursework is a plus; continued professional education is encouraged. - Valid driver’s license required. - Prior experience in workers’ compensation or property and casualty insurance is preferred. Company Culture and Values At MEM Insurance, we are committed to our vision, mission, and values. We foster a culture of collaboration, integrity, and innovation. Our team is passionate about delivering exceptional service to our customers while supporting each other’s growth and success. We believe in accountability, continuous learning, and creating an environment where employees feel valued and empowered. Diversity Statement MEM Insurance is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We believe that varied perspectives drive innovation and strengthen our ability to serve our customers and communities. Total Rewards Overview - Health Plans: Medical, Dental, and Vision Includes fertility benefits, fully paid preventative care, and adult orthodontia. - Employer-Paid Life and Disability Benefits: Life Insurance (3x base salary), AD&D, Short and Long-term Disability. - Wellness and Recognition Program: Employer-paid incentives for employees and spouses. - Flexible Spending Account and Dependent Care options - Health Savings Account: Generous employer contribution. - Time Away from Work: Generous PTO, 11 Holidays + 4 Early Releases, 16 Hours Volunteer Time Off, 20 Days Paid Parental Leave, Marriage, Bereavement, and Jury Duty leave. - Employee Assistance Programs - 401k Retirement Plan: Employer match and profit sharing. - Adoption Assistance and Tuition Assistance Notice Regarding Use of Artificial Intelligence MEM may use artificial intelligence (AI) tools to more efficiently facilitate and assist in decisions involving recruitment, hiring, promotion, renewal of employment, selection for training or apprenticeship, discharge, discipline, tenure, or the terms, privileges, or conditions of employment. Any such use of AI tools will comply with all applicable laws.