26 May 2023

Full-Time Remote Mortgage Underwriter – Candijay

ApTask – Posted by JobsTeam Candijay, Bohol Province, Philippines

Job Description

For all mortgage lending products, the Mortgage Underwriter is in charge of risk mitigation. All mortgage applications will be risk reviewed by the Mortgage Underwriter to ensure that they meet portfolio and/or secondary market criteria. On applications that do not meet portfolio and/or secondary market requirements, the Mortgage Underwriter will suggest approval or denial. The Mortgage Underwriter will engage with authorized parties in a professional manner in order to gather or clarify information needed to appropriately assess risk and make a loan decision.

Job Title : Remote Mortgage Underwriter
Location : Candijay, Bohol Province, Philippines
Salary : $ 28.26 per hour.
Company : ApTask
Job Type : Full-Time


  • Communicate with appraisers about problems, changes, and other information while operating and maintaining the Bank’s appraisal portal
  • Examines and analyses information on mortgage loan documentation to see if the buyer, the property, and the loan terms fulfil Credit Union and regulatory requirements.
  • Responsible for remaining current on all secondary market requirements, with a particular emphasis on the credit union’s existing investors, such as FNMA, FHLMC, and FHLB. Any changes to these policies must be announced clearly and soon.
  • A mortgage loan application queue is managed by this person. Completes a complete risk analysis of mortgage loan applications, which involves reviewing legal documents, analyzing income (including self-employment and tax returns), and examining assets. Determine if the application meets the credit union’s portfolio or secondary market standards and, based on the results, grant or deny permission. If necessary, alternate approval criteria are proposed.
  • Determine the entire risk in the loan application and effectively underwrite the loan utilizing lending rules and procedures.
  • Demonstrate the ability to make sound decisions about applicants’ creditworthiness based on current underwriting standards, Bank policies, processes, skills, and experience.
  • Obligated to know and adhere to the most recent changes in all applicable rules governing mortgage lending from the federal and state levels, as well as to make sure that all guidelines are followed, such as the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Ability to Repay Act, and the Qualified Mortgage Act (ATR).
  • Analyze credit, income, and assets on a loan-by-loan basis to determine individual risk, and notify Mortgage Originators of underwriting decisions as quickly as feasible.
  • Create long-term relationships with your clients by providing exceptional service both internally and outside.
  • Stay on top of all the industry standards and regulations, such as how to spot and fight mortgage fraud.


  • CUDL 360, Symitar, Microsoft Excel, and Microsoft Word Processing applications are all required.
  • Excellent interpersonal, organizational, and communication abilities are required.
  • Communication, analysis, auditing, research, and decision-making are all essential talents. Excellent verbal and written communication and problem-solving skills.
  • The underwriting rules for conventional, FHA, VA, USDA, VHDA, and NC loans are all well-known.
  • If you have 1-3 years of mortgage underwriting experience, or a similar combination of education and experience, you will be considered.

How to Apply

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Job Categories: Mortgage Underwriter. Job Types: Full-Time.

Job expires in 28 days.

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