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Hard Money Loan Underwriter - Remote

Posted 22 weeks ago
Finance / Legal
Full Time
Philippines

Overview

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.

In Short

  • 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.

Requirements

  • 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
NightOwl Consulting logo

NightOwl Consulting

NightOwl Consulting is a dynamic and detail-oriented company specializing in mortgage servicing, particularly in the area of renovation loans. With a focus on providing exceptional support in draw administration and financial processes, NightOwl Consulting aims to ensure smooth operations for its clients. The company values strong organizational skills, attention to detail, and effective communication, fostering a collaborative environment for its employees. NightOwl Consulting offers competitive compensation, comprehensive benefits, and opportunities for career growth, making it an attractive workplace for professionals in the mortgage industry.

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