Mortgage Underwriter

NightOwl Consulting

US Mortgage Underwriter assessing mortgage loan applications for compliance and creditworthiness. Evaluating financial documents and analyzing risk factors for loan approvals.

Posted 7/28/2026full-timeRemote • 🇵🇭 PhilippinesMid-LevelSenior💰 ₱60,000 - ₱120,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in mortgage underwriting, including risk assessment, compliance with lending regulations, and thorough analysis of financial documents. Proficient in income calculations and utilizing underwriting software to make informed lending decisions.

Highest-signal resume keywords

Mortgage Underwriting ExperienceRegulatory Compliance KnowledgeAnalytical SkillsAttention to DetailProficiency in Underwriting Software

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Income CalculationsRisk AssessmentFinancial Document ReviewCreditworthiness EvaluationDebt-to-Income Ratio AnalysisProperty Appraisal AnalysisAUS Findings FamiliarityNon-QM Income CalculationsQuality Assurance ReviewsLoan Application Verification

Soft Skills

Effective CommunicationTime ManagementAttention to Detail

Tools & Technologies

Underwriting SoftwareMortgage Industry Tools

Industry Keywords

Fannie MaeFreddie MacFHAVAMortgage Lending Regulations

About the role

Key responsibilities & impact

Evaluate mortgage loan applications to determine the applicant's creditworthiness, income stability, and ability to repay the loan.
Review financial documents such as pay stubs, tax returns, bank statements, and credit reports to assess the applicant's financial situation accurately.
Verify the accuracy and completeness of all information provided in the loan application.
Analyze the risk associated with each loan application based on factors such as credit history, debt-to-income ratio, employment stability, and property appraisal.
Identify potential risks and assess the likelihood of default, ensuring compliance with lending regulations and internal policies.
Ensure that all mortgage loan applications adhere to regulatory requirements, including those set by government agencies such as Fannie Mae, Freddie Mac, FHA, and VA.
Communicate effectively with loan officers, processors, and other stakeholders to gather additional information, clarify discrepancies, or request documentation necessary for underwriting.
Make informed decisions on whether to approve, deny, or conditionally approve mortgage loan applications based on thorough analysis and risk assessment.
Conduct quality assurance reviews to ensure the accuracy and integrity of underwriting decisions and documentation.

Requirements

What you’ll need

Bachelor's degree in finance, accounting, economics, or a related field preferred.
5+ years of previous experience in mortgage underwriting.
Strong understanding of mortgage lending regulations, guidelines, and compliance requirements.
Excellent analytical skills with the ability to evaluate complex financial information.
Attention to detail and accuracy in reviewing loan applications and documentation.
Proficiency in using underwriting software and mortgage industry tools.
Ability to work efficiently in a fast-paced environment while managing multiple priorities and meeting deadlines.
Income calculations, for example W2, bonus, commission, OT, Schedule C, Schedule E, 1120, 1120S, 1065
Comfortable with AUS findings
Income calculations for non-QM lenders: DSCR, Bank Statements, Asset Depletion, etc.

Benefits

Comp & perks

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