US Loan Underwriter

2 weeks ago

Pasig, National Capital Region, Philippines Visaya Knowledge Process Outsourcing Corporation Full time

GET A $1,500 SIGNING BONUS ONCE YOU START ASAP

+ $500 REFERRAL BONUS PER QUALIFIED HIRE

About the Role

We are looking for an experienced Non-QM Underwriter to join our growing team of financial experts. The ideal candidate is skilled in end-to-end underwriting of residential mortgage applications — primarily Non-QM loans, with some exposure to Agency loans. You will be responsible for assessing a borrower's complete financial profile, analyzing risk factors, and making informed decisions regarding loan eligibility and approval.

This role requires strong analytical skills, deep understanding of underwriting guidelines, and the ability to balance accuracy, compliance, and efficiency under strict deadlines.

Key Responsibilities

  • Conduct full analysis of mortgage loan applications, including credit, capacity, collateral, and capital/character assessment.
  • Review borrower documentation such as tax returns, W2s, bank statements, and verification of employment.
  • Analyze loan risk and request additional information or documentation as needed.
  • Ensure all underwriting activities comply with company policies, investor requirements, and regulatory standards.
  • Review and interpret appraisal reports for 1–4 unit properties (5–10 multifamily exposure is a plus).
  • Calculate borrower income, debt-to-income ratio, and housing obligations accurately.
  • Evaluate credit reports and public records to determine risk level and borrower eligibility.
  • Provide clear documentation and rationale for loan decisions — approvals, denials, or exceptions.
  • Work closely with Sales, Processing, and Management teams to meet closing deadlines.
  • Maintain a high standard of loan quality, completeness, and salability.

Qualifications

  • 5–7 years of solid experience in manual mortgage underwriting, preferably with a focus on Non-QM loans.
  • Background in Finance, Banking, or Mortgage Lending.
  • Exposure to both Retail and Wholesale Lending is a plus.
  • Proficient in analyzing financial documents and income calculation.
  • Strong knowledge of compliance standards and fair lending practices.
  • Excellent analytical, organizational, and decision-making skills.
  • High mathematical aptitude and strong attention to detail.
  • Effective written and verbal communication skills; able to explain underwriting decisions to internal stakeholders.
  • Ability to multi-task, manage time efficiently, and meet strict deadlines.
  • Flexible, adaptable, and a proactive team player.

Why Join Us

  • Competitive compensation and benefits package.
  • Opportunity to work with a dynamic and collaborative underwriting team.
  • Professional growth and training in Non-QM lending programs.
  • Work environment that values accuracy, integrity, and teamwork.

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