Mortgage Underwriter: Risk, Compliance & Insight

Nightowl Consulting; Philippines; On-site; PHP 300,000 - 420,000; Full time

Job summary

Nightowl Consulting in the Philippines seeks an experienced Underwriter to assess mortgage loan applications, verify documents, and determine creditworthiness. The role involves risk analysis, guideline adherence, and clear communication with loan officers and applicants.

The position requires meticulous review of pay stubs, tax returns, bank statements, and credit reports, ensuring complete and accurate data for underwriting decisions.

Qualifications

• Experience in mortgage underwriting and risk assessment is preferred.
• Ability to review and analyze financial documents and credit reports.

Responsibilities

• Evaluate mortgage loan applications to determine creditworthiness, income stability, and repayment ability.
• Review financial documents such as pay stubs, tax returns, bank statements, and credit reports.
• Verify the accuracy and completeness of all information in the loan application.
• Analyze risk based on credit history, debt-to-income ratio, employment stability, and property appraisal.
• Ensure compliance with lending guidelines and internal policies.
• Communicate with loan officers, processors, and stakeholders to gather necessary information and provide updates.
• Decide to approve, deny, or conditionally approve applications and document reasons clearly.
• Conduct quality assurance reviews and identify process improvements within underwriting.

Skills

Underwriting

Credit analysis

Regulatory knowledge

Communication

Risk assessment

Job description

Nightowl Consulting in the Philippines seeks an experienced Underwriter to assess mortgage loan applications, verify documents, and determine creditworthiness. The role involves risk analysis, guideline adherence, and clear communication with loan officers and applicants.

The position requires meticulous review of pay stubs, tax returns, bank statements, and credit reports, ensuring complete and accurate data for underwriting decisions.