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NightOwl ConsultingNC

Underwriting Manager

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: 2400k-3000k PHP

Philippines only

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We are seeking a highly experienced Underwriting Manager to lead and oversee our underwriting team. The ideal candidate will bring 10+ years of mortgage underwriting experience across conforming, FHA, VA, jumbo, and non-QM loan products. This individual must have a proven track record in managing underwriters, ensuring credit quality, operational efficiency, and compliance with investor, agency, and regulatory requirements. Experience with warehouse line management is essential.

200k+ salary. The exact amount depends on applicant's qualifications

Key Responsibilities

  • Leadership & Team Management
    • 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.
  • Underwriting Oversight
    • 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.
  • Warehouse Line & Risk Management
    • 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.
  • Cross-Functional Collaboration
    • 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.

Skills, Knowledge and Expertise

  • 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, etc.) 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

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Senior

Salary

Salary: 2400k-3000k PHP

Experience

10 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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