NightOwl Consulting

Quality Control Auditor, Underwriter

NightOwl Consulting

full-time

Posted on:

Location Type: Remote

Location: Philippines

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Salary

💰 ₱60,000 - ₱110,000 per month

About the role

  • Perform thorough audits of conventional and FHA loan files for completeness and compliance.
  • Verify documentation according to DU/LP findings or DE Underwriter requirements, including:
  • Credit Explanation Letters
  • Verification of Rent and Mortgage Payments
  • Verbal and Direct Verifications of Employment (VVOE/VOE)
  • Paystubs, W-2s, IRS Tax Returns, and Transcripts
  • Financial Statements and Profit & Loss Statements**Bank Statements and Verification of Deposit**Gift Letters with donor and fund details
  • Audit final loan package items such as:
  • Signed Note and Mortgage documents**Property Survey and Warranty Deed
  • Homeowner’s and Flood Insurance documentation
  • HUD Forms: 92900LT and Addendum 92900A
  • Final URLA/1003 documents
  • Confirm accuracy of appraisal acknowledgment and pest inspection reports (when applicable).
  • Review Title Policy, Commitment, and Closing Protection Letters.
  • Ensure Lock-in Agreements and Loan Commitments are documented.
  • Validate compliance with consumer disclosures (e.g., Credit Score Notice, Counseling Agency List).
  • Prepare and maintain detailed audit reports highlighting missing or incomplete items.
  • Communicate discrepancies or deficiencies to the appropriate departments for correction.

Requirements

  • Proven experience in mortgage quality control, underwriting, or loan processing.
  • Strong knowledge of Fannie Mae (DU) and Freddie Mac (LP) automated underwriting systems.
  • Familiarity with HUD/FHA loan documentation and compliance standards.
  • Deep understanding of mortgage documentation requirements and investor guidelines.
  • Excellent attention to detail and strong organizational/time management skills.
  • Effective verbal and written communication abilities.
  • Ideal candidate has worked with brokers or a 3rd party processing company, however, this is not required.
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 quality controlunderwritingloan processingFannie Mae (DU)Freddie Mac (LP)HUD/FHA loan documentationmortgage documentation requirementsinvestor guidelinesaudit reportscompliance validation
Soft Skills
attention to detailorganizational skillstime managementverbal communicationwritten communication