NightOwl Consulting
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.
Underwriting Manager
Job not on LinkedIn
September 25
NightOwl Consulting
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
• 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) 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
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