Mortgage Underwriter

13 hours ago

Taguig, National Capital Region, Philippines GBSS Full time A$90,000 - A$120,000 per year

Official role title: Variations Underwriter

We are seeking an experienced Variations Underwriter to join our AU mortgage team. This role plays a critical part in managing and assessing loan variation requests from existing customers, ensuring decisions are made within credit policy and lending authority.

About the Role:

As a Variations Underwriter, you'll review and assess existing customer requests such as loan top-ups, interest-only conversions, and partial discharges. You'll ensure all decisions comply with credit policies, underwriting guidelines, and service level agreements.

You'll also handle customer queries, recommend applications outside your lending authority when needed, and help improve processes. This role requires strong attention to detail, the ability to work under pressure, and a solid understanding of the Australian non-bank mortgage space.

Who We Are

At GBSS, we're not your average BPO—we believe work should be fulfilling, not draining. We're all about empowering you to grow, learn, and thrive in a culture that's supportive, chill, and driven by real collaboration. Ready to be part of a team that values your voice and your hustle? Come join us, and let's make things happen Grow with GBSS, where your potential meets opportunity.

What You'll Be Doing

  • Assess and decision loan variation requests

    Evaluate customer-initiated changes such as loan top-ups, interest-only conversions, and partial discharges in line with credit policy and delegated lending authority.
  • Ensure compliance with lending guidelines and service standards

    Process variations consistently and on time, adhering to Resimac's Credit Risk Management Policy, underwriting guidelines, and key performance indicators.
  • Make credit decisions or recommendations

    Approve or decline applications within authority; escalate and recommend decisions with conditions for those outside authority limits.
  • Resolve customer queries related to loan variations

    Act as the primary point of contact for customer issues and ensure a high level of service and satisfaction.
  • Contribute to process improvement initiatives

    Identify inefficiencies within the variations process and work with relevant teams to implement enhancements.

About You

Required

  • Experienced in assessing and decisioning loan variation requests within credit policy and delegated authority
  • Able to manage customer queries professionally and deliver high levels of service
  • Comfortable working under pressure to meet turnaround times and service standards
  • Proactive in identifying process improvement opportunities and collaborating with teams to implement solutions

Desirable

  • Strong understanding of the Australian mortgage process, especially in the non-bank sector

Why Join Us?

  • HMO Benefit + free dependent
  • Leave accrual upon hiring
  • Wellness perks
  • Specific client-initiated benefits

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