U.S. Mortgage Loan Underwriter

2 days ago

Rizal, Philippines Extend Your Team Full time

Overview

Mortgage Loan Underwriter with strong expertise in U.S. mortgage loan underwriting and/or mortgage disclosure processing. This role is ideal for professionals with exposure to active mortgage production environments who can apply knowledge of mortgage regulations, investor guidelines, and risk management. The Mortgage Underwriter ensures every mortgage loan meets accuracy, completeness, and credit standards before delivery to capital markets loan buyers. The goal is to deliver a robust, defensible loan file free of errors, except for credit-related items, enabling seamless approval by loan buyers.

Key Responsibilities
  • Loan Preparation & Accuracy: 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 reviewers.
  • Credit & Risk Mitigation: Identify and resolve credit issues to minimize risks, ensuring adherence to 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 align expectations among all parties.
  • Quality Assurance & Process Improvement: Conduct quality checks on completed loan packages to uphold a high standard of accuracy.
  • Stay updated on industry guidelines, investor requirements, and regulatory changes to uphold best practices.
  • Recommend and implement improvements to streamline processes and enhance efficiency.
Requirements
  • At least 5 years of 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.
  • Excellent communication, collaboration, and problem-solving skills.
  • Proficiency, speed, and accuracy in written communication.
  • Fluency, clarity, and good diction in English.
  • Strong analytical, organizational, and time-management abilities.
  • Proficiency in MS Excel/Google Sheets.
  • Experience with customer information tools (e.g., Retool), task management tools, and Google Drive.
  • Detail-oriented mindset; accuracy matters in financial services.
  • Bachelor's Degree in marketing, finance, economics, or related fields.
  • Flexibility to work US Pacific time 10 AM–7 PM (1 hour break).
  • Candidates must be residing in the Philippines.
Job Details
  • Seniority level: Mid-Senior level
  • Employment type: Full-time
  • Job function: Finance and Sales
  • Industries: Outsourcing and Offshoring Consulting

Note: Some boilerplate lines such as referrals or unrelated articles were removed to focus on the role description.

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