Hard Money Loan Underwriter (US Mortgage) at NightOwl Consulting

Brgy. Bulwang, Numancia, Aklan, Philippines -

Full Time

Start Date

Immediate

Expiry Date

20 Mar, 26

Salary

120000.0

Posted On

20 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Hard Money Lending, Real Estate Investment Lending, Loan Underwriting, Credit Analysis, Risk Assessment, Financial Statement Review, Property Appraisal, Documentation Verification, Communication Skills, Attention To Detail, Loan Processing Systems, Regulatory Compliance

Industry

Business Consulting and Services

Description

Hard Money Loan Underwriter (US Mortgage) Department: Operations Employment Type: Full Time Location: Client Compensation: ₱80,000 - ₱120,000 / month 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

Responsibilities

The Hard Money Loan Underwriter will conduct thorough analyses of loan applications, assessing borrower financials and property evaluations. They will work closely with various stakeholders to ensure efficient loan processing and compliance with underwriting standards.