Junior Underwriter | Onsite | Ortigas | Night Shift | Day 1 HMO

Emapta; Mandaluyong; On-site; PHP 335,000 - 670,000; Full time

Benefits offered by this job

Day 1 HMO coverage

Night differential pay

Fixed weekends off

Salary Advance Program

Upskilling through Emapta Academy

Gym access (Ortigas and Makati)

Lifestyle perks

Employee referral incentives

Government and Emapta benefits

20 annual leaves (5 can be converted)

Mentorship and career growth

Job summary

LendSwift, partnered with Emapta in Ortigas, seeks a Junior Underwriter to support US mortgage operations. You will perform financial assessments, documentation reviews, and underwriting compliance to help enable reliable lending decisions while growing your global expertise.

Join a top 1% talent community with night shift options, strong benefits, and ongoing learning through Emapta Academy. This on-site role offers career growth in a dynamic, international team.

Qualifications

• Bachelor's degree in a relevant field.
• Minimum of 2 years of mortgage underwriting experience.
• Knowledge of federal and state regulations and mortgage guidelines.
• Proficiency in Microsoft Office applications (Word, Excel, Outlook).

Responsibilities

• Analyze credit reports, income documents, assets, contracts, and property appraisals.
• Research loan program guidelines and verify compliance with underwriting standards.
• Review and verify the Uniform Residential Loan Application (Form 1003).
• Coordinate loan closure dates and communicate conditions to borrowers.
• Conduct audits and ensure TRID and disclosure compliance.
• Maintain follow-up processes for appraisals, title documents, and approvals.

Skills

Mortgage underwriting

Documentation review

Regulatory compliance

MS Office

Education

Bachelor's degree in a relevant field

Job description

Make Every Mortgage Decision Matter Across Global Lending Markets Today

Your analytical expertise could make homeownership possible for more borrowers! Join Emapta as a Junior Underwriter and support US mortgage operations through financial assessments, documentation reviews, and underwriting compliance. Contribute to reliable lending decisions while expanding your global expertise and securing long-term career growth within Emapta's top 1% talent community.

Job Overview

• Employment Type: Full-time
• Shift: Night Shift, Weekends Off
• Work Setup: Onsite, St. Francis Square Building, Ortigas

Exciting Perks Await!

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Prime office location in Ortigas (Easy access to MRT stations, restaurants, and banks)
• Fixed weekends off
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• Bachelor's degree in a relevant field
• Minimum of 2 years of relevant experience in mortgage underwriting, loan processing, financial services, or a related field
• Working knowledge of federal and state regulations and mortgage underwriting guidelines
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
• Strong organizational, interpersonal, and communication skills
• Ability to manage multiple priorities, coordinate concurrent tasks, and meet deadlines effectively

Your Daily Tasks

Mortgage Underwriting & Loan Processing

• Analyze credit reports, income documents, assets, contracts, and property appraisals to support accurate mortgage loan assessments.
• Research loan program guidelines and verify compliance with applicable underwriting standards and regulatory requirements.
• Review and verify the completeness and accuracy of the Uniform Residential Loan Application (Form 1003).
• Request Chain of Title documentation from title companies or sellers' attorneys during the loan process.
• Apply mortgage underwriting principles to income calculations and Truth in Lending Act-Real Estate Settlement Procedures Act Integrated Disclosure (TRID) guidelines.
• Establish and maintain follow-up procedures for outstanding needs letters, appraisals, title documents, and loan approvals.
• Conduct Clear to Close (CTC) audits for every loan file before submission.
• Communicate loan closure conditions and requirements clearly to borrowers.
• Request subordination agreements upon receipt of appraisal and title documentation.
• Coordinate loan closure dates and times with borrowers, loan officers, and title companies as required.
• Examine refinance title commitments and verify borrower ownership, property tax status, and lien accuracy.

About the Client

Our client, LendSwift, is a US-based mortgage lending company focused on making home financing and refinancing more accessible, efficient, and straightforward. They support borrowers throughout the mortgage journey, from loan applications and credit evaluations to underwriting, documentation, and closing coordination. Through personalized service, financial expertise, and streamlined processes, they help individuals navigate mortgage requirements with confidence. Their commitment to accuracy, regulatory compliance, and responsive support creates smoother lending experiences and helps more borrowers achieve their homeownership goals.

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2026 for the fifth year in a row and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.