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Jobs or company...

Non-QM Underwriter

Salary undisclosed

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Department: NightOwl Internal

Location: Back Office

Compensation: ₱80,000 - ₱120,000 / month

Description

Must have at least [4] years of mortgage underwriting experience, including specific expertise in non-QM loan products

We are looking for an experienced Non-QM (Non-Qualified Mortgage) Underwriter to join our dynamic team. The ideal candidate will have in-depth knowledge of underwriting non-QM loans, ensuring compliance with company guidelines and industry regulations while supporting the needs of borrowers who do not meet traditional mortgage standards. This role requires a detail-oriented professional with the ability to assess complex income documentation, analyze risk, and make informed underwriting decisions.

Key Responsibilities

  • Review and evaluate loan applications, including credit, income, assets, and property details, to determine borrower eligibility for non-QM loans.

  • Analyze complex financial information, including alternative documentation types (e.g., bank statements, asset depletion, and debt service coverage).

  • Assess risk and make sound underwriting decisions in accordance with company guidelines and applicable regulations.

  • Work collaboratively with loan officers, processors, and other team members to obtain additional information or documentation needed for underwriting.

  • Maintain a comprehensive understanding of non-QM lending products and stay updated on industry trends and changes in regulations.

  • Ensure timely and efficient processing of loan files to meet closing deadlines.

  • Provide clear and accurate feedback on loan conditions and communicate effectively with internal teams to resolve any outstanding issues.

  • Assist in developing and updating underwriting policies and procedures specific to non-QM products.

  • Deliver exceptional customer service by responding promptly to inquiries and providing expert guidance.



Skills, Knowledge and Expertise

  • Bachelor's degree in finance, business, or a related field preferred.

  • Minimum of [4] years of mortgage underwriting experience, with specific expertise in non-QM loan products.

  • Thorough knowledge of mortgage lending guidelines, including non-QM product types and alternative documentation methods.

  • Strong analytical skills and attention to detail.

  • Proficiency in mortgage software systems and Microsoft Office Suite.

  • Ability to work efficiently under pressure and manage multiple files simultaneously.

  • Strong verbal and written communication skills.

  • Proven problem-solving capabilities and the ability to make decisions with confidence.



Benefits

  • Above market salary

  • HMO on Day 1 for principal and two dependents

  • Government-mandated benefits

  • Performance-based Incentives

  • Quarterly Company Events

  • In-depth training for career growth

  • Great Company Culture and HR experience

  • 1,000 PHP De Minimis

  • Equipment and software provided
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