Hard Money Loan Underwriter

1 week 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
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