Underwriting Manager
NightOwl Consulting
full-time
Posted on:
Location Type: Remote
Location: Philippines
Visit company websiteExplore more
Salary
💰 ₱200,000 - ₱250,000 per month
About the role
- Lead, mentor, and manage a team of underwriters, fostering a culture of accountability, accuracy, and efficiency.
- Provide ongoing training and performance management to ensure high-quality credit decisions.
- Establish and monitor team productivity, turn times, and service level agreements.
- Review and approve loan files for credit, collateral, and compliance with conforming, FHA, VA, jumbo, and non-QM guidelines.
- Serve as the escalation point for complex underwriting scenarios.
- Ensure adherence to investor guidelines, agency rules (Fannie Mae, Freddie Mac, FHA, VA), and company credit policies.
- Oversee warehouse line utilization, collateral management, and funding requirements.
- Monitor credit risk exposure and collaborate with secondary marketing and finance teams on pipeline management.
- Implement risk controls and provide feedback to improve overall loan quality.
- Partner with operations, sales, compliance, and secondary marketing to support company growth while maintaining credit integrity.
- Communicate underwriting decisions effectively to internal teams, loan officers, and executives.
- Contribute to policy development and continuous process improvement initiatives.
Requirements
- Minimum 10 years of progressive mortgage underwriting experience across multiple loan products (conforming, FHA, VA, jumbo, non-QM).
- Minimum 5 years in a leadership or management role, overseeing underwriting teams.
- Demonstrated experience with warehouse line oversight and loan funding operations.
- Expert knowledge of Fannie Mae, Freddie Mac, FHA, VA, and non-QM guidelines.
- Strong understanding of credit risk, collateral analysis, and income/asset review.
- Excellent written and verbal communication skills; ability to convey complex underwriting decisions clearly and professionally.
- Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
- Proficiency in mortgage LOS platforms (e.g., Encompass, Calyx, etc.) and AUS systems (DU, LP).
- DE/CHUMS, LAPP/SAR certifications strongly preferred.
- Experience in both retail and wholesale lending environments.
- Proven success in scaling underwriting operations in high-growth mortgage companies.
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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
mortgage underwritingcredit risk analysiscollateral analysisincome reviewasset reviewloan funding operationswarehouse line oversightpolicy developmentprocess improvementteam productivity monitoring
Soft Skills
leadershipmentoringcommunicationorganizational skillsaccountabilityefficiencyperformance managementcollaborationproblem-solvingdecision-making
Certifications
DECHUMSLAPPSAR