Jr. Underwriter

Your Future in Finance Starts Here

Shape the future of lending by bringing accuracy, insight, and integrity to every underwriting decision. Build a career where your professional growth and personal life stay in balance. This role offers night shift stability, fixed hours, and the chance to excel in finance and underwriting without compromising your free time. Here, your evenings are productive, and your days remain yours to enjoy, recharge, and thrive.

Job Description

As a Jr. Underwriter, you will review loan files, analyze borrower qualifications, ensure compliance with mortgage guidelines, and manage closing documentation. You will play a crucial role in making sound lending decisions while maintaining accuracy, timeliness, and exceptional client service.

Job Overview

Employment type: Full-time

Shift: Night shift

Work setup: Onsite, Ortigas

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Prime office location in Ortigas (Easy access to MRT stations, restaurants, and banks)
• Day shift schedule
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• Bachelor's Degree graduate
• Minimum of 2-3 years of direct experience in US mortgage or lending industry
• Solid understanding of US federal, state, and regulatory rules, laws, and underwriting guidelines relevant to the mortgage industry
• Hands-on experience handling loan applications, processing, or underwriting for US-based clients
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook) for loan data management and reporting
• Strong organizational and time-management skills, with the ability to handle multiple loan files simultaneously
• Excellent interpersonal and communication skills for liaising with clients, lenders, and internal teams
• Detail-oriented, with the ability to ensure compliance, accuracy, and timeliness in loan processing

Your Daily Tasks

• Analyze credit, income, assets, contract, appraisal, etc.
• Research guidelines for all programs to ensure loan is processed to standards
• Ensure completeness of 1003
• Request Chain of Title from the title company and/or seller attorney during loan processing
• Apply knowledge of income calculations and TRID guidelines
• Create follow-up procedures for items requested on needs letters, appraisals, titles, and approvals
• Complete Clear to Close Audit for every file prior to submission to UW for CTC
• Ensure borrower understands conditions for closing
• Order subordination agreements upon receipt of appraisal and title
• Schedule closing date and time with borrowers, LO's, and title companies (if required)
• Examine refinance title commitments to verify borrower ownership, ensure property taxes are up to date, and confirm lien accuracy

About the Client

Trusted Solutions in Modern Lending

Our client is a growing fintech company that simplifies and modernizes the lending process through smart, technology-driven platforms. With a focus on customer experience, they provide borrowers and lenders with efficient, secure, and transparent solutions. Their commitment to innovation and service excellence makes them a leader in transforming the loan servicing industry.

Welcome to Emapta Philippines

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and be part of the #EmaptaEra