Expert Underwriting Behind High-Performance Mortgage Lending
Exceptional underwriting is defined by judgment-the ability to turn complexity into confident lending decisions. The US Conventional Underwriter brings that expertise to an award-winning U.S. mortgage workplace supporting residential financing through a sophisticated wholesale lending platform. Apply recent wholesale experience, Encompass LOS expertise, DU/LPA proficiency, and command of Fannie Mae and Freddie Mac guidelines where accuracy carries meaningful business impact. With Emapta, build a distinguished international career offering WFH flexibility, professional advancement, and a premium experience designed for Top 1% talent.
Snapshot
- Employment Type: Full-time
- Work Setup: Work from home
- Shift: Night Shift, 8:30 PM-5:30 AM Pacific Time (including a 1-hr/30-min. lunch), Weekends Off
Benefits
- Day 1 HMO coverage with free dependent
- Competitive Salary Package
- Permanent WFH arrangement
- Night differential pay to maximize your earnings
- Fixed weekends off
- Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
- Unlimited upskilling through Emapta Academy courses (Want to know more Visit: https://emapta.com/training-calendar/)
- Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
- Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
- Unlimited opportunities for employee referral incentives across the organization
- Standard government and Emapta benefits
- Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
- Fun engagement activities for employees
- Mentorship and exposure to global leaders and teams
- Career growth opportunities
- Diverse and supportive work environment
Qualifications
- 3-5 years of recent U.S. residential mortgage underwriting experience, specializing in conventional first trust deed loans and appraisal review
- Proven experience evaluating credit, income, assets, collateral, and compliance with underwriting guidelines
- Hands-on experience with Encompass Loan Origination System (LOS)
- Strong proficiency in Desktop Underwriter (DU) and Loan Product Advisor (LPA/LP), including findings review and automated underwriting recommendations
- Strong knowledge of Fannie Mae and Freddie Mac underwriting guidelines, policies, and procedures
- At least 1 year of experience in a paperless mortgage or loan-processing environment
- High school diploma or equivalent
- Strong analytical, problem-solving, and underwriting judgment skills, with exceptional attention to detail
- Excellent communication, organizational, and time-management skills for managing multiple loan files and deadlines
- Self-directed and accountable, with the ability to perform accurately and independently in a fast-paced, high-pressure mortgage environment
Responsibilities
- Underwrite new loan submissions, issuing approvals, declines, suspensions, or counteroffers based on established guidelines.
- Review loan conditions and issue final approvals before funding within required turnaround times.
- Validate loan applications and documentation for accuracy, completeness, and compliance with secondary market, investor, and company guidelines.
- Provide underwriting guidance and technical support to production teams.
- Partner with Account Management and Funding teams to resolve complex issues, restructure loans, and meet lock expirations and critical deadlines.
- Resolve Quality Control, Quality Assurance, and Post-Closing audit findings accurately and promptly.
- Support internal and external customers in line with established service level agreements (SLAs).
- Provide additional underwriting, team, and management support as required.
About the Client
Our client is a respected U.S.-based mortgage lending organization known for delivering exceptional service, competitive lending solutions, and operational excellence. Built on a strong foundation of integrity, accountability, consistency, and innovation, the company has earned the trust of business partners through reliable processes and experienced professionals. With a continued focus on sustainable growth, technology-driven operations, and customer success, it empowers employees to make meaningful contributions while supporting homeownership opportunities across diverse communities nationwide.
Join the Top 1% Talent. A better career. A better life.
Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.
Apply now and experience the difference!
