U.S. Mortgage Expert

3 days ago


Ayala Alabang, National Capital Region, Philippines beBeeUnderwriter Full time ₱3,300,000 - ₱4,200,000

Key Responsibilities include: 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 involves identifying and resolving 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.

Quality Assurance & Process Improvement focuses on conducting 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 include 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) are also required.

A Bachelor's Degree in marketing, finance, economics, or related fields is preferred.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Finance and Sales

Industries: Outsourcing and Offshoring Consulting


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