Underwriter – Mortgage Credit Assessment

1 day ago


Bonifacio Global Metro Manila, Philippines Hexaware Technologies Phil. Branch Full time ₱900,000 - ₱1,200,000 per year

Mortgage Credit Evaluation

  • Conduct comprehensive assessments of mortgage applications to ensure alignment with lending policies and risk appetite.
  • Analyze borrower profiles, income documentation, credit reports, and property valuations.
  • Exercise sound judgment in applying Due Credit Assessment (DCA) principles to underwriting decisions.

Policy & Regulatory Compliance

  • Ensure strict adherence to internal underwriting standards and external regulatory requirements (e.g., AML, KYC, NCCP).
  • Maintain up-to-date knowledge of mortgage lending regulations, credit policies, and industry best practices.

Documentation & Data Integrity

  • Verify the accuracy and completeness of all mortgage-related documentation.
  • Ensure timely submission and accessibility of required documents for audit and review purposes.
  • Maintain high standards of data integrity across all systems and platforms.

Customer Service & Communication

  • Deliver excellent service to internal stakeholders (e.g., brokers, relationship managers, sales teams) and external clients.
  • Communicate credit decisions clearly, professionally, and in a timely manner — both in writing and verbally.
  • Support efficient turnaround times for mortgage processing, approvals, and settlements.

Commercially Sound Decision-Making

  • Apply prudent and flexible underwriting decisions that balance customer needs with risk management principles.
  • Collaborate with cross-functional teams to resolve complex credit scenarios and enhance customer outcomes.

Qualifications:

  • Experience in Australian, US or UK mortgage markets is highly preferred.
  • Bachelor's degree in Business, Accounting, Finance, or a related discipline.
  • Certificate IV in Credit Management or equivalent qualification in mortgage lending.
  • Demonstrated understanding of the mortgage regulatory environment and compliance frameworks.
  • Minimum of 2 years' experience in mortgage underwriting, loan processing, or credit assessment.


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