Quality Control Underwriter

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NightOwl Consulting

WebsiteLinkedInAll Job Openings

51 - 200 employees

🤝 B2B

🎯 Recruiter

☁️ SaaS

B2B • Recruitment • SaaS

NightOwl Consulting is a global business service (GBS) provider that connects companies with skilled talent in the Philippines to optimize their business processes and dramatically reduce costs. Specializing in team-building for various roles such as pre-construction, AutoCAD drafting, insurance, bookkeeping, and administrative assistance, NightOwl Consulting provides customized offshoring solutions tailored to the specific needs of each client. Through its transparent, cost-effective pricing model, the company prides itself on high client satisfaction and employee retention rates while fostering a supportive and engaging work culture. NightOwl Consulting supports businesses by recruiting, training, and managing dedicated teams for various industry sectors, ensuring enhanced productivity at a significantly reduced cost.

📋 Description

• Conduct thorough reviews of mortgage loan files to ensure compliance with investor guidelines, regulatory requirements, and company policies. • Utilize Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) and Loan Prospector (LP) to assess loan eligibility and risk. • Perform pre-funding and post-closing audits to identify discrepancies, errors, and fraud indicators. • Review appraisals, income documentation, credit reports, and other relevant documents for accuracy and completeness. • Analyze loan data and documentation to determine creditworthiness and adherence to underwriting standards, including LTV (Loan-to-Value) ratios and DTI (Debt-to-Income) ratios. • Prepare detailed quality control reports and findings, documenting issues and providing recommendations for corrective action. • Communicate audit results and findings to underwriting teams, management, and stakeholders, ensuring compliance with industry best practices.

🎯 Requirements

• 3+ years of experience in mortgage underwriting, quality control, or related role. • 3+ years of experience with LOS (Encompass preferred) • Strong knowledge of mortgage industry regulations, including FHA, VA, USDA, Jumbo, NON-QM, and conventional loan guidelines. • Proficiency in utilizing industry tools and software, such as Encompass and ACES (Automated Compliance and Evaluation System), to conduct quality control reviews.

🏖️ 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