Bridge Loan Underwriter

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NightOwl Consulting

WebsiteLinkedInAll Job Openings

51 - 200 employees

🤝 B2B

🎯 Recruiter

☁️ SaaS

B2B • Recruitment • SaaS

NightOwl Consulting is a global business service (GBS) provider that connects companies with skilled talent in the Philippines to optimize their business processes and dramatically reduce costs. Specializing in team-building for various roles such as pre-construction, AutoCAD drafting, insurance, bookkeeping, and administrative assistance, NightOwl Consulting provides customized offshoring solutions tailored to the specific needs of each client. Through its transparent, cost-effective pricing model, the company prides itself on high client satisfaction and employee retention rates while fostering a supportive and engaging work culture. NightOwl Consulting supports businesses by recruiting, training, and managing dedicated teams for various industry sectors, ensuring enhanced productivity at a significantly reduced cost.

📋 Description

• Conduct initial reviews of bridge loan applications to determine deal viability and completeness • Order third-party reports including title prelims, appraisals, and BPOs as required • Review title prelims to identify red flags such as liens, judgments, vesting issues, or ownership discrepancies • Analyze borrower credit profiles, financial statements, liquidity, and real estate experience • Review property details, valuations, market data, and exit strategies (sale, refinance, or hold) • Calculate and assess LTV, ARV, leverage, and other risk metrics • Prepare clear underwriting summaries and recommendations for senior review or final approval • Ensure compliance with internal underwriting guidelines and investor requirements • Communicate findings, conditions, and concerns with loan officers, processors, and closing teams • Maintain accurate and organized underwriting notes and documentation in the loan origination system • Assist with post-closing reviews and ongoing portfolio monitoring as needed

🎯 Requirements

• Bachelor’s degree in finance, business, real estate, or a related field (or equivalent experience) • 2+ years of underwriting experience in bridge loans, private lending, hard money, or residential/commercial real estate • Strong understanding of short-term lending structures, ARV-based lending, and real estate valuation • Ability to interpret financial statements, tax returns, and credit reports • Knowledge of underwriting tools, LOS platforms, and valuation models • Excellent analytical, organizational, and decision-making skills • Strong written and verbal communication skills • Ability to thrive in a fast-paced, deadline-driven environment • Experience in underwriting fix-and-flip, rental, or transitional real estate loans • Familiarity with state-specific lending regulations and investor guidelines • Background in non-QM, DSCR, or private money lending • Advanced Excel or financial modeling skills

🏖️ Benefits

• Above market salary • HMO on Day 1 for principal and two dependents • Government-mandated benefits • Performance-based Incentives • Quarterly Company Events • 1,000 PHP De Minimis • Equipment and software provided