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Mortgage Underwriter
Location
Philippines
Posted
1 day ago
Salary
0
Seniority
Senior
Job Description
Mortgage Underwriter
Extend Your Team
• Review and validate all mortgage loan components, including borrower documentation, financial data, and property appraisals. • Ensure all data points and documents in the loan package are accurate, complete, and aligned with Automated Underwriting System (AUS) outputs. • Conduct thorough calculations and validations to ensure the integrity and reliability of the loan package. • Prepare mortgage loan packages with the highest level of accuracy to meet capital market buyer requirements. • Anticipate and address potential discrepancies to avoid investor objections or rejections. • Ensure loan conditions are met and documentation is robust enough to withstand scrutiny from investors or fault-finding reviewers. • Identify and resolve credit issues to minimize risks, ensuring adherence to all regulatory requirements. • Deliver loans without errors, apart from permissible compliance deviations, ensuring investor trust and confidence. • Maintain meticulous documentation for each underwriting decision, creating a transparent audit trail. • Work closely with expeditors, loan officers, and other stakeholders to gather missing documents and resolve inconsistencies. • Communicate underwriting requirements and conditions clearly to ensure all parties are aligned on expectations. • Conduct quality checks on completed loan packages to maintain a 100% error-free standard. • Stay updated on industry guidelines, investor requirements, and regulatory changes to uphold best practices. • Recommend and implement improvements to streamline processes and enhance efficiency.
Job Requirements
- At least 5 years meaningful experience with mortgage loan underwriting (conventional, FHA/VA, non-QM) for US consumers
- Experience and familiarity with TRID guidelines, and agency and investor guidelines (Fannie/Freddie/HUD/VA)
- Understanding of the mortgage life cycle from end-to-end strongly preferred
- Superb communication, collaboration and problem-solving skills.
- Proficiency, speed and accuracy in written communication.
- Fluency, clarity and good diction in English
- Great analytical, organizational skills & time management abilities
- Proficiency in using MS Excel/Google Sheets
- Experience in using customer information tools (e.g. Retool), task management tools, Google Drive.
- Detail Oriented - we’re a financial services company so being correct about the details matter
- Bachelor's Degree - in marketing, finance, economics, or related fields.
- Flexibility to work US Pacific time 10 AM to 7 PM (with a 1 hour break time in between)
- Candidates must be residing in the Philippines
Benefits
- Candidates must be residing in the Philippines
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