Senior Mortgage QC Underwriter

NightOwl Consulting Philippines Inc.; Philippines; On-site; PHP 781,000 - 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

In-depth training for career growth

Great Company Culture and HRexperience

1,000 PHP De Minimis

Equipment and software provided

Job summary

NightOwl Consulting Philippines Inc. invites applications for a Quality Control Underwriter in our Back Office Loan Teams department.

The role focuses on ensuring loan quality and regulatory compliance within the mortgage sector. Responsibilities include reviewing loan files, using AUS (DU, LP) to assess eligibility, conducting pre-funding and post-closing audits, and preparing QC reports with actionable recommendations.

Qualifications

• 3+ years of mortgage underwriting or quality control experience.
• 3+ years of LOS experience (Encompass preferred).
• Deep knowledge of FHA, VA, USDA, Jumbo, NON-QM, and conventional guidelines.

Responsibilities

• Review mortgage loan files for investor/regulatory compliance.
• Use AUS such as DU and LP to assess eligibility and risk.
• Conduct pre-funding and post-closing audits to detect discrepancies and fraud indicators.
• Review appraisals, income documents, credit reports for accuracy.
• Analyze data to determine creditworthiness and adherence to underwriting standards.
• Prepare QC reports and recommendations for corrective action.
• Communicate audit results to underwriting teams and stakeholders.

Skills

Mortgage underwriting

Quality control

Tools

Encompass

ACES

Desktop Underwriter (DU)

Loan Prospector (LP)

Job description

NightOwl Consulting Philippines Inc. invites applications for a Quality Control Underwriter in our Back Office Loan Teams department.

The role focuses on ensuring loan quality and regulatory compliance within the mortgage sector. Responsibilities include reviewing loan files, using AUS (DU, LP) to assess eligibility, conducting pre-funding and post-closing audits, and preparing QC reports with actionable recommendations.