Home Equity Underwriter (Manila)

Location: Arthaland Century Pacific Tower, 5th Avenue corner 30th Street, BGC, Taguig

Job Type: Full-time 

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.

Location Options

Point offers both in-office and work-from-home options. Our office is at Arthaland Century Pacific Tower, 5th Avenue, BGC. Work-from-home is available for experienced candidates with suitable remote work setup and subject to maintaining high-performance standards.

Job Responsibilities

• Review applications and documentation.
• Request needed documents from homeowners through follow-ups.
• Review the title to ensure the correct lien position and collaborate with the processor to ensure a clean title.
• Submit finished dockets to QA for review and send out the final offer after the docket clears QA.
• Provide updates to cross-functional teams(Processors, Closers, Account Managers).
• Effectively manage a pipeline of 60-100 files/dockets.
• Reject dockets that do not meet underwriting guidelines.

Qualifications and skills required

• 1 year of experience in loan underwriting, loan processing, consumer lending, customer service, operations, fraud analysis, personal banking, or another analytical role.
• Meticulous attention to detail.
• Deep understanding of (or eagerness to learn) Fannie Mae lending guidelines.
• Strong analytical and problem-solving skills.
• Comfort presenting and defending credit decisions.
• Fluency in Microsoft Office or Google Sheets. You use formulas to reduce errors and increase efficiency whenever possible.
• A desire to deliver a high level of quality customer service.
• Knowledge of common credit underwriting standards, and income and asset evaluation is a plus.
• You are excited about joining a startup tech company, interested in real estate, and/or 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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