Underwriting Manager

14 hours ago

Quezon City, National Capital Region, Philippines NightOwl Consulting Philippines, Inc Full time ₱1,200,000 - ₱3,600,000 per year
Key Responsibilities

  • Leadership & Team Management

  • Lead, mentor, and manage a team of underwriters, fostering a culture of accountability, accuracy, and efficiency.

  • Provide ongoing training and performance management to ensure high-quality credit decisions.
  • Establish and monitor team productivity, turn times, and service level agreements.

  • Underwriting Oversight

  • Review and approve loan files for credit, collateral, and compliance with conforming, FHA, VA, jumbo, and non-QM guidelines.

  • Serve as the escalation point for complex underwriting scenarios.
  • Ensure adherence to investor guidelines, agency rules (Fannie Mae, Freddie Mac, FHA, VA), and company credit policies.

  • Warehouse Line & Risk Management

  • Oversee warehouse line utilization, collateral management, and funding requirements.

  • Monitor credit risk exposure and collaborate with secondary marketing and finance teams on pipeline management.
  • Implement risk controls and provide feedback to improve overall loan quality.

  • Cross-Functional Collaboration

  • Partner with operations, sales, compliance, and secondary marketing to support company growth while maintaining credit integrity.

  • Communicate underwriting decisions effectively to internal teams, loan officers, and executives.
  • Contribute to policy development and continuous process improvement initiatives.
Skills, Knowledge and Expertise
  • Minimum 10 years of progressive mortgage underwriting experience across multiple loan products (conforming, FHA, VA, jumbo, non-QM).
  • Minimum 5 years in a leadership or management role, overseeing underwriting teams.
  • Demonstrated experience with warehouse line oversight and loan funding operations.
  • Expert knowledge of Fannie Mae, Freddie Mac, FHA, VA, and non-QM guidelines.
  • Strong understanding of credit risk, collateral analysis, and income/asset review.
  • Excellent written and verbal communication skills; ability to convey complex underwriting decisions clearly and professionally.
  • Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
  • Proficiency in mortgage LOS platforms (e.g., Encompass, Calyx, etc.) and AUS systems (DU, LP).
  • DE/CHUMS, LAPP/SAR certifications strongly preferred.
  • Experience in both retail and wholesale lending environments.
  • Proven success in scaling underwriting operations in high-growth mortgage companies.

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