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Bridge Loan Underwriter - job post

NightOwl Consulting
3.3 out of 5 stars
Philippines•Remote
PHP 140,000 - PHP 160,000 a month

Job details

Pay

  • PHP 140,000 - PHP 160,000 a month

Job type

  • Full-time

Full job description

Description


The Bridge Loan Underwriter is responsible for evaluating, underwriting, and approving short-term bridge loan applications in accordance with company guidelines and risk standards. This role focuses on assessing borrower creditworthiness, collateral value, exit strategies, and overall deal viability to support fast-paced lending decisions while maintaining portfolio quality.


Key Responsibilities


  • 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

Skills, Knowledge and Expertise


  • 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

About NightOwl Consulting

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