Jr Underwriter Onsite Night With Commissions

• Salary: Day 1 HMO coverage with free dependent
• Type: Full Time
• Region: International
• Town/City: Mandaluyong, National Capital Region
• Posted: 13/01/2026
• Listed in: Administration & Secretarial
• Reference: JOB-1768252631_1768282169
  
  

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

• Bachelors 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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