Mortgage Underwriter

4 weeks ago

Pasay, National Capital Region, Philippines Gratitude Philippines Full time
Job Title: US Mortgage Underwriters PASAY

Gratitude Philippines is seeking a highly skilled and experienced US Mortgage Underwriter to join our team. As a key member of our mortgage underwriting team, you will be responsible for reviewing and analyzing mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines.

Key Responsibilities:
  • Review and analyze mortgage loan applications to ensure compliance with internal and regulatory guidelines
  • Analyze all required loan data, reports, and inspections to ensure collateral is acceptable to investors and the company
  • Make independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines
  • Provide final approval underwriting of mortgage loans - Conventional, Correspondent, FHA, VA, Reverse
  • Complete all required paperwork and forms in a timely and accurate manner
  • Work with staff and management to find solutions on escalated loans
  • Manage loans by using all functions of Encompass
  • Effectively communicate underwriting decisions with processors and advisors
  • Maintain high level of customer service and communication with other departments
Requirements:
  • Bachelor's degree or equivalent of fifteen years of education mandatory
  • Minimum of 1 year of experience in Mortgage Underwriting with thorough knowledge of Financial and nonfinancial supporting documentation, Income calculations, Asset/Liabilities & Appraisal verification, Credit report review
  • Knowledge about risk and compliance in Lending especially the FNMA & FHLMC Underwriting standards
  • Knowledge about Underwriting procedures of Conventional, Correspondent Lending, Reverse mortgage, FHA, VA (Government loans) underwriting
Work Schedule or Travel Requirements:

Ready to do any shifts as per Business unit requirements

Ready to travel office for training and other as per Business unit requirements

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