Home Equity Underwriter - Point Digital Finance

Location

This is a hybrid role. Our office is located at Arthaland Century Pacific Tower, 5th Avenue, BGC. This role requires going to our office at least one day a week.

Role Hours

The expected working hours for this position are from 12:00 AM to 9:00 AM, based on the Philippine Time Zone (PHT).

About Point

✨ Real Impact, Real People: Our mission at Point is to make homeownership more valuable and accessible. Your work directly helps homeowners access their wealth, achieve financial flexibility, and realize life changing goals.

✨ Funding: With over $175M raised from top investors like Andreessen Horowitz, WestCap, Greylock, and Prudential, we’re scaling fast! You have the opportunity to join us at a pivotal stage.

✨ Game-changing Product: We're building a category defining company in home equity. We’ve earned a 4.7 Trustpilot rating and an A+ from the BBB, a testament to the value we provide to our 20,000+ customers.

✨ Great Place to Work: Our employees love working here! We are a Certified Great Place to Work and a Fortune Best Workplaces in the Bay Area.

✨ Hybrid Collaboration, Connected Culture: Based in the Philippines, this hybrid role offers flexibility while fostering strong connection through in-person moments, cross-functional teamwork, and a people-first culture that prioritizes collaboration, belonging, and shared success.

About the role

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.

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.

About you

• 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: Structured development programs, certifications, promotion tracks, and access to an educational reimbursement program to support your career growth.
• Work-Life Balance: 18 holidays, and hybrid work options in a supportive environment.
• Support for Your Work: Get set up for success with company provided Mac equipment and monitor, and a one-time home office reimbursement to create a productive workspace.
• Global Experience: Collaborate with an international team and learn from global practices.

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