Home Equity Underwriter (Manila/Hybrid)

Location: Four NEO, 4th Ave, Taguig, Metro Manila, Philippines

Job Type: Full time (Manila/Hybrid)

Job Shift: Night 

Who we are

At Point, we make homeownership more valuable and accessible. Join us in creating innovative financial products that help homeowners and aspiring buyers. If you're seeking a career where your work truly matters, this is it.

Job summary

Point is looking for an experienced Home Equity Underwriter to join our Manila team. In this role, you'll analyze property and financial data to make approval recommendations, send offers to homeowners, and ensure compliance with company guidelines. You'll collaborate with Account Managers, Processors, and Closers to deliver top-tier customer service.

Hybrid

Employees meeting performance criteria and hybrid work arrangement guidelines can transition to hybrid work after 6 months, pending internal approval.

Job responsibilities

• Review Home Equity Investment (HEI) applications and documentation in accordance with the company's underwriting guidelines.
• Request supporting documentation from homeowners.
• Review the property’s title report to ensure the correct lien position and collaborate with the processor to ensure a clean title.
• Track the status of all applications in the underwriter’s pipeline and provide updates to the appropriate teams when needed.
• Make the final underwriting decision to approve or reject an application.

Qualifications and skills

• 1+ years of experience with underwriting US mortgage loans
• Understanding of general US mortgage underwriting principles and lending guidelines.
• Experience with US mortgage modifications and the ability to analyze a title report is a plus
• Meticulous attention to detail.
• Fluency in Microsoft Office or Google Sheets. 
• Ability to work autonomously to deliver individual goals and support team outcomes.
• A desire to deliver an uncommon level of quality customer service.
• Excited about joining a later-stage tech company, interested in real estate, interested in fintech.

Our benefits

• Competitive Pay: Market-leading salary with regular reviews and comprehensive health insurance for you and your dependents.
• Career Advancement: Benefit from structured development programs, promotions, and certifications.
• Work-Life Balance: 18 holidays, and hybrid work options in a supportive environment.
• Global Experience: Collaborate with an international team and learn from global practices.

Point is proud to be an equal opportunity employer. We provide employment opportunities regardless of age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected class. Each individual at Point brings their own perspectives, work experiences, lifestyles, and cultures with them, and we believe that a more diverse team creates more innovative products, provides better services to customers, and helps us all grow and learn. At the launch of each position, we benchmark compensation to the appropriate role and level utilizing competitive compensation data from various data sources as references. At the offer stage, we use the signal we received from our interviews coupled with your experience, location, and other job-related factors to determine final compensation. 

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