Mortgage Underwriting Analyst

5 days ago

Taguig, National Capital Region, Philippines Aditya Consulting Full time $80,000 - $120,000 per year

Position: Mortgage Underwriting Analyst

Years of Experience: At least 3 years

Education: Bachelor's degree in Finance, Accounting, Economics

Work Shifts: US Shifts

Budget: 80-120K

About the Role

We are seeking an experienced and detail-oriented Mortgage Underwriting Analyst with 3–10 years of relevant experience. The role requires strong financial analysis skills, a deep understanding of credit risk, and the ability to make sound underwriting decisions in line with organizational standards.


Duties and Responsibilities
  • Conduct thorough analysis of loan requests, focusing on applicants' financials and collateral valuation to ensure accuracy and reliability.
  • Collaborate with internal teams to ensure loan processing is completed within agreed service level timelines.
  • Communicate proactively with clients and sales teams to collect necessary information for informed credit decisions.
  • Recommend suitable loan structures based on borrower requirements and credit assessments.
  • Prepare and present clear, concise credit analysis memos that outline creditworthiness, collateral valuation, and associated risks.
  • Perform periodic risk assessments and monitoring of assigned loans, ensuring appropriate risk ratings and identifying early warning signs.
  • Administer construction loans, including budget tracking, scheduling, review of third-party reports, and ensuring timely fund disbursement.
  • Research and analyze industry trends to identify potential risks and emerging issues.
  • Leverage U.S.-based resources to assess portfolio risks, including default probabilities and potential losses.
  • Ensure compliance with legal, regulatory, and internal credit policy standards.
  • Be available to travel for training or business needs, as required.
  • Undertake additional responsibilities assigned by the Chief Credit Officer or Management.

Required Education and Qualifications
  • Bachelor's degree in Finance, Accounting, Economics, Real Estate Management, or a related field, with strong academic performance.
  • 3–10 years of relevant experience in mortgage underwriting, credit analysis, or risk management.
  • Strong analytical and problem-solving skills, with the ability to interpret complex financial data and highlight key risks.
  • Excellent knowledge of accounting rules (US GAAP and IFRS).
  • Ability to work independently and manage multiple priorities in a fast-paced, multinational environment.
  • High attention to detail, with the ability to identify discrepancies and maintain accuracy.
  • Flexibility to work in U.S. hours.
  • Strong stakeholder management and communication skills, both written and verbal, with the ability to present findings and recommendations clearly.
  • Proficiency in Microsoft Excel and Word.

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