色猫直播

Jr. Underwriter | Onsite | Night | With Commissions!

Job Description

Smarter Lending, Built on Speed and Trust

Our client is a state-licensed consumer finance company transforming access to credit for underserved communities. Through a secure online lending platform, they deliver installment loan solutions designed for longer-term financial stability-not quick fixes. Operating across multiple U.S. states, their success is built on speed, integrity, and customer trust, with instant funding capabilities and transparent terms. Their mission-driven team plays a direct role in helping individuals navigate financial challenges with dignity, clarity, and dependable support.

Job Description

As a Jr. Underwriter, you will support loan processing by reviewing documentation, validating compliance, coordinating with stakeholders, and ensuring files are complete and accurate-helping move loans smoothly from review to closing.

Job Overview

Employment Type: Full-time
Shift: Night shift, weekends off
Work Setup: Onsite, Ortigas

Exciting Perks Await!

Day 1 HMO coverage with free dependent

Competitive salary package

Monthly commissions for top performers

Night differential pay to maximize your earnings

Prime office location in Ortigas (easy access to MRT stations, restaurants, and banks)

Fixed weekends off

Salary Advance Program through our banking partner (eligibility subject to bank assessment)

Unlimited upskilling through Emapta Academy courses

Free 24/7 access to office gyms (Ortigas and Makati) with a free physical fitness trainer

Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)

Unlimited employee referral incentives

Standard government and Emapta benefits

20 annual leaves, 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

The Qualifications We Seek

Bachelor's degree graduate

Minimum of 2-3 years of mortgage or lending experience

Working knowledge of federal, state, and regulatory rules, laws, and underwriting guidelines in the mortgage industry

Strong organizational, interpersonal, and communication skills with the ability to multitask

Experience using Microsoft Office (Word, Excel, Outlook)

Your Daily Tasks

Analyze credit, income, assets, contracts, and appraisals

Research program guidelines to ensure loans meet underwriting standards

Ensure completeness and accuracy of the 1003

Request Chain of Title from title companies or seller attorneys during processing

Apply knowledge of income calculations and TRID guidelines

Create follow-up procedures for items requested on needs letters, appraisals, titles, and approvals

Complete Clear to Close audits for every file prior to submission for CTC

Ensure borrowers understand conditions required for closing

Order subordination agreements upon receipt of appraisal and title

Schedule closing dates and times with borrowers, loan officers, and title companies (if required)

Examine refinance title commitments to verify borrower ownership, property tax status, and lien accuracy

Welcome to Emapta Philippines!

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a collaborative, innovation-driven culture. We empower your success through continuous learning, global exposure, and meaningful work. Apply now and be part of the #EmaptaEra.

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