Hard Money Loan Underwriter

2 weeks ago

Work from Home, Philippines nightowl consulting Full time ₱900,000 - ₱1,200,000 per year
Description

We are seeking a detail-oriented and analytical Hard Money Loan Underwriter to evaluate loan applications and assess borrower creditworthiness for fix-and-flip and investment property financing. This role requires a strong understanding of underwriting guidelines, risk assessment, and the ability to work closely with loan officers, borrowers, and other stakeholders to ensure efficient loan processing.

Key Responsibilities
  • Conduct thorough analysis of loan applications, including borrower financials, credit reports, and property evaluations.
  • Assess borrower eligibility and repayment ability based on established underwriting guidelines.
  • Work closely with loan officers, processors, brokers, and appraisers to collect and verify necessary documentation.
  • Communicate with borrowers to provide updates, address document requirements, and explain loan terms.
  • Ensure compliance with internal policies and industry regulations while maintaining high underwriting standards.
  • Identify potential risks and provide recommendations for loan approval, modification, or decline.
  • Maintain accurate and organized records of loan files and underwriting decisions.
Skills, Knowledge and Expertise
  • Experience in hard money or real estate investment lending.
  • Strong knowledge of loan underwriting, credit analysis, and risk assessment.
  • Proficiency in reviewing financial statements, property appraisals, and borrower documentation.
  • Ability to collaborate with internal teams and external stakeholders.
  • Excellent communication skills and attention to detail.
  • Familiarity with loan processing systems and regulatory compliance.
Benefits
  • Above market salary
  • HMO on Day 1 for principal and two dependents
  • Government-mandated benefits
  • Performance-based Incentives
  • Quarterly Company Events
  • In-depth training for career growth
  • Great Company Culture and HR experience
  • 1,000 PHP De Minimis
  • Equipment and software provided
About NightOwl Consulting

  • Underwriting Manager

    3 days ago

    Work from Home, Philippines nightowl consulting Full time ₱1,500,000 - ₱3,000,000 per year

    DescriptionWe are seeking a highly experienced Underwriting Manager to lead and oversee our underwriting team. The ideal candidate will bring 10+ years of mortgage underwriting experience across conforming, FHA, VA, jumbo, and non-QM loan products. This individual must have a proven track record in managing underwriters, ensuring credit quality, operational...

  • Pre-Underwrite Reviewer

    2 weeks ago

    Work from Home, Philippines nightowl consulting Full time ₱40,000 - ₱60,000 per year

    DescriptionAre you great with numbers and enjoy helping people? Then we'd love to talk with you about our Pre-Underwrite Reviewer position. You'll provide underwriting support to the team to ensure a helpful and happy home-buying experience for our customers.Key Responsibilities*Only those with 2+ years of Junior or Underwriting Experience will get an...

  • AU Loan Processor

    6 days ago

    Work from Home, Philippines Wingman Group Full time ₱480,000 - ₱720,000 per year

    POSITION SUMMARY:We are seeking a detail-oriented and highly organised AU Loan Processor who describes themselves as an expert in Apply Online, to join our lending team. The Loan Processor will be responsible for processing loan applications in Mercury and Apply Online, ensuring compliance with all lending regulations, and facilitating timely and efficient...

  • AU Mortgage Loan Processor

    3 days ago

    Work from Home, Philippines Wingman Group Full time ₱480,000 - ₱720,000 per year

    POSITION SUMMARY:We are seeking a detail-oriented and highly organized Loan Processor to join our lending team. The Loan Processor will be responsible for managing loan files from origination through closing, ensuring compliance with all lending regulations, and facilitating timely and efficient processing. The ideal candidate will possess strong...

  • Loan Processor

    2 weeks ago

    Work from Home, Philippines Emapta Global Full time ₱360,000 - ₱540,000 per year

    Job DescriptionAs a Loan Processor, you will manage a pipeline of residential mortgage loans, ensuring compliance with investor and government guidelines. You'll work closely with loan officers, vendors, and underwriting teams to meet deadlines, resolve discrepancies, and ensure accurate documentation for successful loan processing.ResponsibilitiesManage the...

  • US Mortgage Closer

    2 weeks ago

    Work from Home, Philippines nightowl consulting Full time ₱900,000 - ₱1,200,000 per year

    DescriptionThe Loan Closer is responsible for the preparation of mortgage closing documents. In addition, the Loan Closer is responsible for ensuring all essential information is accurate while communicating with internal staff as well as settlement agents to solve all closing issues in a timely manner.Key ResponsibilitiesThe Loan Closer is responsible for...

  • Compliance Audit Specialist

    1 week ago

    Work from Home, Philippines Sphere Rocket VA Full time ₱384,000 - ₱480,000 per year

    We are looking for a detail-oriented and analytical Compliance Audit Specialist to review and audit loan files for regulatory compliance. This role ensures that all documentation meets federal and state mortgage requirements, maintaining high accuracy and consistency across all audits.Key ResponsibilitiesReview and audit loan files using standardized...

  • Data Analyst

    18 hours ago

    Work from Home, Philippines Clear Nexus Inc Full time $15,000 - $25,000 per year

    Location: Remote (India / Philippines preferred; open to other regions)​Employment Type: Full-TimeAbout UsWe are an innovative fintech group operating in the subprime and alternative lending space,building advanced tools to optimize underwriting, fraud prevention, and collections. Ourproprietary platforms — Protheus (decision engine) and Terminator (bank...

  • Encompass Administrator

    2 weeks ago

    Work from Home, Philippines nightowl consulting Full time ₱1,200,000 - ₱2,400,000 per year

    DescriptionWe are seeking a highly skilled and detail-oriented Encompass Administrator to manage, configure, and optimize our Encompass Loan Origination System (LOS). The ideal candidate will serve as the subject matter expert for Encompass, ensuring the platform supports compliance, efficiency, and scalability across the mortgage lifecycle. This role...

  • Collector

    2 weeks ago

    Work from Home, Philippines PEACOCK FINANCING CORPORATION Full time ₱144,000 - ₱240,000 per year

    a) The EMPLOYEEshall follow the EMPLOYER's daily collection schedule at all times and shall on the same day of collection make prompt remittance of his/her daily collections to the EMPLOYER.b) The EMPLOYEEshall collect any and all sums of money, interest or other benefits as may be due the EMPLOYER, and he/she shall issue the official receipt provided for...