Senior Non-QM Mortgage Underwriter (Remote | Night Shift)
Php 70,000 – Php 188,179/month (based on experience)
Full-Time | Permanent Remote | U.S. Mortgage Company
>Why This Role is Different
We’re not looking for a basic underwriter.
We’re hiring someone who can confidently review and approve complex Non-QM loans — someone who understands risk, moves fast, and knows how to make solid credit decisions.
If you have strong Non-QM experience and want to work directly with a growing U.S.-based mortgage team, this is a long-term opportunity with real impact.
> What You’ll Be Doing
Underwrite Non-QM loans (DSCR, Bank Statement, WVOE, P&L)
Analyze credit, income, assets, and collateral
Review AUS findings and apply conditions or overlays
Issue decisions: Approve, Deny, or Suspend
Work closely with processors and operations to clear conditions
Maintain strong turn times while ensuring compliance
Support junior team members when needed
> What We’re Looking For
At least 5 years U.S. mortgage underwriting experience
Strong Non-QM experience (DSCR, Bank Statement, etc.)
Experience handling self-employed borrowers and complex files
Solid understanding of U.S. mortgage guidelines (TRID, ATR/QM, etc.)
Able to make independent credit decisions
Detail-oriented and reliable in a remote setup
Plus (but not required):
Experience with Encompass
Korean, Chinese, or Vietnamese language skills
> Work Setup
Remote (Work from Home)
Night Shift: 11:30 PM – 8:30 AM PH Time
Stable, long-term role with a U.S.-based company
> Basic Requirements
At least 16GB RAM
Intel i5 (4th gen or newer) or equivalent
Stable internet (minimum 100 Mbps)
>> Shortlisted Candidates
Qualified applicants will be invited to complete a short screening step, which may include:
Quick technical questions (Non-QM / DSCR)
Speedtest and computer specs
Brief experience validation
>> Final Note
We’re looking for serious underwriters who know how to assess risk and make confident decisions.
If that’s you, apply now — we review applications daily.