Underwriter, COR Operations

2 weeks ago

Manila, National Capital Region, Philippines Onity Group Inc. Full time ₱600,000 - ₱800,000 per year

Job Description
POSITION SUMMARY:
The Underwriter reviews, conditions, and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.

Job Functions And Responsibilities

  • Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.
  • Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
  • Provides final approval underwriting of mortgage loans – Conventional, Correspondent, FHA, VA, Reverse.
  • Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.
  • Sign off conditions in a timely manner set by management.
  • Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit's policies and practices.
  • 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.
  • Other duties as assigned.

Education / Experience

  • Bachelor's degree or equivalent of fifteen years of education mandatory
  • Minimum of 1 years 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 including night shift as per Business unit requirements.

Ready to travel to office for training and other learning work related activities as per Business unit requirements.

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