Senior Mortgage Quality Control Underwriter

Private Advertiser; Quezon City; On-site; PHP 600,000 - 900,000; Full time

Job summary

Private Advertiser is seeking an Underwriter / Senior Underwriter – Post Close QC to review and re-underwrite residential mortgage loan files for accuracy, compliance, and proper documentation across agency and investor guidelines. You will perform pre-funding and post-closing audits, recalculate income/assets/DTI/LTV, and verify TRID and other regulations.

You will document defects with clear recommendations while managing multiple files in a production-driven environment.

Qualifications

• Bachelor's degree in mortgage-related field or equivalent.
• Minimum 3 years US mortgage underwriting experience.
• Experience with manual and automated underwriting incl. FHA/VA.

Responsibilities

• Conduct pre-funding and post-closing audits of residential mortgage loan files.
• Review income, assets, credit reports, liabilities, and other loan documentation.
• Recalculate income, assets, DTI, LTV, and other eligibility factors to validate underwriting accuracy.
• Verify compliance with agency/investor guidelines (FNMA, Freddie Mac, FHA/VA/USDA).

Skills

US Underwriting

AUS knowledge

Income & Assets

TRID knowledge

Closing process

Education

Bachelor's Degree in Finance/Mortgage Lending

Tools

Encompass

ACES

DU/LP

Job description

Private Advertiser is seeking an Underwriter / Senior Underwriter – Post Close QC to review and re-underwrite residential mortgage loan files for accuracy, compliance, and proper documentation across agency and investor guidelines. You will perform pre-funding and post-closing audits, recalculate income/assets/DTI/LTV, and verify TRID and other regulations.

You will document defects with clear recommendations while managing multiple files in a production-driven environment.