Key Facts

Remote From:

Philippines

Category: Mortgage Loan Officer

Full time

English

Hard Skills

Underwriting Risk Analysis Regulatory Compliance

Other Skills

•
Analytical Skills
•
Detail Oriented
•
Organizational Skills
•
Time Management
•
Communication

Roles & Responsibilities

Proven experience in residential mortgage underwriting across Conventional, FHA/VA, and Non-QM loan products
Strong understanding of TRID compliance and regulatory requirements
Analytical skills to analyze borrower documentation and assess risk
Excellent attention to detail and strong organizational skills

Requirements:

Review and underwrite residential mortgage loan applications
Ensure compliance with TRID guidelines and other loan compliance requirements
Evaluate and verify borrower documentation to confirm accuracy and eligibility
Apply Agency and Investor guidelines when making underwriting decisions

Extend Your Team

About Extend Your Team

Let's be honest; running a business is hard. So hard that most people give up and fail. We are not those people. Yes, I was there and maybe you were or are there too. This isn't a cheesy sales pitch but there is a better way. You can get the talent you need and it will be at the right price. You just have to think differently and think globally. WHY I FOUNDED EXTEND YOUR TEAM ▬▬▬▬▬▬▬▬▬▬▬▬ After growing an e-commerce company to $5MM in annual revenue, I was buried with running the business. Before long, I started working 14+ hours/day managing multiple teams, projects, and completing low-value tasks. To be open, I was miserable. That's when I connected with Angelica, a mid career pro from the Philippines, to help me run my business as my Chief of Staff - reducing the time I spent on the business by 80%. She nothing short of changed my life and is the reason I founded my company. I want everyone to have an Angelica on their team. HOW IT WORKS ▬▬▬▬▬▬▬▬▬▬▬▬ 1) We get on a quick call so I can learn more about your business and your challenges. 2) We will source and introduce you to a remote worker that best fits your needs. 3) Myself and my team will work with you to consult you to help systemize your processes including onboarding, management, and operations. 4) We are there every step of the way to coach you, coach the team member and make sure that you are successful in outsourcing. If there are any issues, we work side by side with you in correcting them. We help you avoid the mistakes that I and so many others made learning how to successfully outsource I believe that you shouldn't spend $150/hr (your time) on a $15/hr problem. The most important thing is that I am the same as you. I am a business operator and have faced the same challenges. READY TO TALK? ▬▬▬▬▬▬▬▬▬▬▬▬ Book a call: https://calendly.com/myahes/discovery

Company type: Scaleup

Founded: 2018

Company size: 201 - 500

Website LinkedIn See all jobs →

Job description

About Us

We are reinventing consumer credit. We wildly reduce the cost of capital by using technology to easily tap into people’s assets. Our first product is the world's cheapest credit card – backed by home equity. Using many patented technologies, we sped up a process that usually takes 4-6 weeks and thousands of dollars down to as fast as 15 minutes and $0 to get.

Who are we?

We are a well-capitalized (over $250MM in equity funding) team of technology (Square, Microsoft, Facebook) and finance (Discover, CapitalOne, Goldman Sachs) executives with top-tier investors – Founders Fund, Khosla Ventures, Max Levchin, NYCA, Sequoia, SciFi VC, Caffeinated Capital, etc.

Our team includes people who have built:

Financial products (Square/CashApp, the earliest CapitalOne credit cards)
Consumer products (Internet.org, Xbox)
Technology infrastructure (Visual Studio, Windows & Azure, helped design the C++ & C# languages)
Mathematics & science infrastructure (computational research at NASA’s JPL)

We are missionaries who like to work hard on important problems - and build products that become infrastructure for society. We believe that using technology to lower the cost of capital for consumers is one of these problems - and if we can do it, it could have an infinite impact on people’s lives.

Responsibilities

Underwriting & Review: Review and underwrite residential mortgage loan applications, including Conventional, FHA/VA, and Non-QM products.
Compliance: Ensure compliance with TRID guidelines and other loan compliance requirements.
Verification: Evaluate and verify borrower documentation such as income, credit, assets, title, and appraisals to confirm accuracy and eligibility.
Guideline Application: Apply Agency and Investor guidelines (Fannie Mae, Freddie Mac, HUD, VA) when making underwriting decisions.
Risk Assessment: Identify potential risks in loan files and provide sound recommendations or solutions.
Policy Adherence: Maintain adherence to established underwriting policies, procedures, and regulatory standards.
Collaboration: Support the full mortgage life cycle by collaborating with other departments to ensure timely and accurate loan processing.

Qualification

Experience: Proven experience in residential mortgage underwriting across Conventional, FHA/VA, and Non-QM loan products.
Knowledge: Strong understanding of TRID compliance, regulatory requirements, and in-depth knowledge of Agency and Investor guidelines (Fannie Mae, Freddie Mac, HUD, VA).
Analytical Skills: Ability to analyze borrower documentation and assess risk to recommend appropriate solutions.
Industry Understanding: Comprehensive understanding of the end-to-end mortgage life cycle is preferred.
Soft Skills: Excellent attention to detail, strong organizational skills, time management abilities, and the ability to work under tight deadlines.
Communication: Fluency, clarity, and good diction in English.
Education: Bachelor's Degree or comparable work experience in financial services.