Real Estate Underwriter

5 days ago


Work from Home, Philippines Flexscale Full time

Internal Job Title: Real Estate Loan Underwriter

Type of Employment: Full Time

Desired No. of Hours per Week: 40

Job Level: Mid-Senior Level​​​​​

Who You Are

We are seeking a leader with an entrepreneurial spirit to help evaluate private and hard money loans involving commercial properties, construction projects, bridge financing, site development, and real estate acquisitions.

​​​​​​​What You'll Do​​​​​​

  • Assess and underwrite commercial loan requests including land entitlement, site development, construction budgets, and construction schedules
  • Identify risks and recommend clear mitigants
  • Coordinate with third parties during the closing process
    • Analyze market and property data and monitor market trends
  • Build and review loan budget summaries
  • Review property reports including appraisals, environmental reports, land use documents, title reports, loan documents, and construction materials
  • Review borrower documents including financials, tax returns, credit information, and business background
  • Communicate with borrowers and brokers to gather information and ask open ended questions that uncover risks not shown in documents
  • Compare multiple data sources to validate assumptions
  • Prepare concise credit memos and present underwriting conclusions to leadership
  • Provide guidance on LTV, LTC, rates, fees, reserves, and loan controls
  • Review draw requests for construction projects and support active loan monitoring
  • Suggest improvements to underwriting templates, workflows, and due diligence processes
  • Represent the firm with professionalism and support strong working relationships

What We're Looking For

  • Five to ten years of experience in real estate, lending, investing, underwriting, acquisitions, dispositions, commercial construction, land use, or real estate finance
  • Strong financial analysis skills with excellent critical thinking and problem solving ability
  • Ability to work in a fast moving environment with firm deadlines while maintaining professionalism
  • Proficiency in Excel, Zoho CRM, and the Microsoft suite
  • Knowledge of real estate financing, acquisition, investing, and development
  • Understanding of submarkets, zoning, pro formas, construction terminology, and development cycles
  • Familiarity with debt and equity structures
  • Experience with collateral risk evaluation and related legal concepts
  • Strong verbal and written communication

Tools You'll Use

  • Zoho One Suite: CRM, Projects, Flow
  • Microsoft 365: Excel, Teams, SharePoint
  • File Management: Dropbox, title and escrow portals
  • Internal Checklists and Trackers

What We Offer:

  • Free HMO Coverage: Premium healthcare access at no cost
  • Work From Home: Fully remote setup with local support
  • Generous Paid Time Off: Start with 18 paid leaves annually
  • U.S. Holiday Observance: Enjoy U.S. holidays off
  • Professional Environment: Join a supportive, growth-oriented global team

Job Type: Full-time

Pay: Php65, Php75,000.00 per month

Benefits:

  • Additional leave
  • Company Christmas gift
  • Health insurance
  • Opportunities for promotion
  • Work from home

Application Question(s):

  • How many years of experience do you have in real estate, lending, investing, underwriting, acquisitions, dispositions, commercial construction, land use, or real estate finance?
  • Do you have experience performing financial analysis for real estate transactions, including underwriting or evaluating investment opportunities?
  • Do you have experience with debt and equity structures in real estate deals?
  • Are you familiar with submarkets, zoning, pro formas, construction terminology, and development cycles?

Work Location: Remote



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