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NightOwl ConsultingNC

Non-QM Underwriter

NightOwl Consulting Philippines Inc. is a Global Business Service (GBS) provider connecting companies with world-class talent in the Philippines, offering customized outsourcing solutions with a focus on client partnership and employee well-being.

NightOwl Consulting

Employee count: 51-200

Salary: 960k-1440k PHP

Philippines only

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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

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Salary

Salary: 960k-1440k PHP

Experience

4 years minimum

Location requirements

Hiring timezones

Philippines +/- 0 hours

About NightOwl Consulting

Learn more about NightOwl Consulting and their company culture.

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NightOwl Consulting Philippines Inc. was established with a foundational desire to deliver enhanced services for both its clients and its employees. As a Global Business Service (GBS) provider, the company focuses on offering next-level support that combines extraordinary production with operational ease. NightOwl Consulting prides itself on its firsthand experience in customizing business pathways to create a comprehensive team experience at a reduced cost, exemplifying its capacity to build out significant team structures, such as a 12-man team, at the cost equivalent of two traditional hires. The company's mission is centered on connecting businesses with world-class talent, while its vision is to cultivate a global family that aspires to achieve its highest potential. The founders conceptualized NightOwl to be more than a conventional Business Process Outsourcing (BPO) firm, positioning it as a GBS provider dedicated equally to client success and employee well-being, fostering an environment of continuous growth and development.

The core philosophy at NightOwl Consulting is to redefine the landscape of GBS by intertwining excellence with unwavering integrity. This approach was born from the founders' own experiences as clients of BPO firms, where they identified a lack of true partnership—one where employee welfare mirrored the dedication to client satisfaction. This realization led to the inception of NightOwl, where nurturing a culture where every team member feels heard and genuinely valued is paramount. The company's overarching mission is to democratize access to premium BPO services, making outsourcing a viable option for enterprises of all scales. Drawing from their client-side experiences, they pinpointed a gap in the traditional BPO model and envisioned a more holistic approach. This vision materialized into a company where client collaboration is a core principle, not just a buzzword. NightOwl Consulting is committed to forging close partnerships, comprehensively understanding unique client needs, and meticulously tailoring solutions to align seamlessly with their objectives. They position themselves as steadfast allies, diligently working alongside clients and their teams to navigate challenges and propel them towards their goals.

NightOwl Consulting emphasizes a 'white glove' experience for outsourcing, particularly for companies looking to hire overseas talent, primarily in the Philippines. Their process is designed to be high-touch, alleviating common client pain points associated with outsourcing. This includes pre-screening candidates, conducting IQ and personality tests, interviewing on behalf of clients, and providing training before onboarding. The company's guiding principle is to help businesses leverage the benefits of outsourcing without needing to become outsourcing experts themselves. They offer a transparent cost-plus pricing model, aiming for clients to save significantly per role. Employees hired through NightOwl work full-time and exclusively for their respective clients. The company supports various work setups, with a popular option being work-from-home arrangements. Core values such as GRIT, GROWTH, FUN, and FAMILY underpin all their operations, fostering a 'Can Do, Will Do' spirit that encourages pushing beyond conventional business practices.

Employee benefits

Learn about the employee benefits and perks provided at NightOwl Consulting.

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Above market salary

Competitive compensation.

Quarterly Company Events

Regular company gatherings.

Paid leave incentives

Incentives for paid time off.

Performance based Incentives

Incentives based on performance.

View NightOwl Consulting's employee benefits
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NightOwl Consulting

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