Fannie Mae Guideline Expert

NightOwl Consulting Philippines Inc.; Philippines; On-site; PHP 781,200 - 1,116,000; Full time

Benefits offered by this job

Above market salary

HMO on Day 1 for principal and two-dep

Government-mandated benefits

Performance-based incentives

Quarterly company events

PHP 1,000 De Minimis

Equipment and software provided

Job summary

NightOwl Consulting Philippines Inc. is seeking a Deal Desk Analyst to review underwriting guidelines across multiple mortgage product types and coordinate between Sales, Underwriting and Investor teams to ensure compliant, well-structured deals.

The role requires deep mortgage knowledge, meticulous analysis, and ability to drive timely deal flow in a fast-paced environment. Location is client-based with a competitive compensation package.

Qualifications

• Bachelor's degree in Business, Finance, or related field or equivalent work experience.
• Minimum 7 years in the mortgage industry, preferably underwriting or deal desk.
• Strong knowledge of mortgage guidelines and loan types.

Responsibilities

• Review underwriting guidelines across Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans.
• Act as liaison between Sales, Underwriting, and Investor teams to ensure timely deal flow.
• Analyze loan scenarios to ensure proper structuring and guideline adherence.
• Provide guidance to Sales on loan products, guidelines, and best practices.
• Assist in resolving complex underwriting and structuring issues.
• Collaborate with underwriting to improve process and approvals.
• Stay updated on guideline changes and investor requirements.
• Coordinate with investors for accurate loan submissions.
• Track deal performance and ensure documentation is complete.
• Address post-closing issues as needed.

Education

Bachelor's degree in Business or Finance

Job description

Department: Operations

Location: Client

Compensation: ₱70,000 - ₱100,000 / month

Description

We are seeking a highly motivated and detail-oriented Deal Desk Analyst to join our team. This position plays a critical role in reviewing underwriting guidelines across multiple mortgage product types including Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans. The successful candidate will act as a liaison between the Sales, Underwriting, and Investor teams, ensuring that mortgage deals are in compliance with guidelines and are structured effectively for approval.

Key Responsibilities

• Review and ensure compliance with underwriting guidelines across all mortgage types (Conventional, FHA, VA, USDA, Jumbo, and Non-QM).
• Serve as a key liaison between the Sales, Underwriting, and Investor teams to facilitate smooth communication and timely deal flow.
• Analyze and evaluate loan scenarios to ensure proper structuring and guideline adherence.
• Provide feedback and support to Sales teams on loan products, guidelines, and best practices.
• Assist in the resolution of complex underwriting and loan structuring issues.
• Collaborate with underwriting teams to ensure efficient loan approvals and identify potential areas for process improvement.
• Maintain up-to-date knowledge of changes in underwriting guidelines, loan programs, and investor requirements.
• Work with investors to ensure accurate and timely submission of loans.
• Track deal performance and ensure all necessary documentation is provided and accurate.
• Address and resolve any post-closing issues that may arise.

Skills, Knowledge and Expertise

• Preferred: Previous experience working at an independent mortgage bank.
• Desired: Experience in mortgage underwriting, with strong knowledge of the different loan types and their respective guidelines.
• Proficiency in mortgage loan guidelines and documentation.
• Ability to analyze complex loan structures and identify potential issues.
• Strong communication skills to effectively collaborate with internal teams and external investors.
• Detail-oriented with strong organizational and problem-solving skills.
• Ability to thrive in a fast-paced, dynamic environment with competing priorities.
• Bachelor’s degree in Business, Finance, or a related field, or equivalent work experience.
• Minimum of 7 years of experience in the mortgage industry, preferably in underwriting or deal desk functions.

Benefits

• Above market salary
• HMO on Day 1 for principal and two dependents
• Government-mandated benefits
• Performance-based Incentives
• Quarterly Company Events
• 1,000 PHP De Minimis
• Equipment and software provided