Job Details

Residential & Commercial Mortgage Underwriter and Closer

Location: Remote (Based in Hawaii or the West Coast)

Employment Type: Full-Time

About Us

We are a private mortgage lender specializing in residential, commercial, and private lending. Our focus is on providing 12-month bridge loans and ground-up construction loans to real estate investors, builders, and commercial property owners.

Job Summary

We are seeking an experienced Residential & Commercial Mortgage Underwriter with 5-10 years of experience in underwriting bridge loans, construction lending, and private money loans. This is a remote position, but the candidate must be based in Hawaii or the West Coast. Work hours must align with Hawaii business hours.

Key Responsibilities

1. Analyze and underwrite commercial real estate loan applications, ensuring compliance with company guidelines and risk assessments.
2. Evaluate borrower financials, credit reports, appraisals, and other relevant documentation.
3. Assess project feasibility for construction and bridge loans, including budget reviews and draw schedules.
4. Conduct due diligence on property valuations, market conditions, and potential risks.
5. Collaborate with loan officers, processors, and legal teams to facilitate loan closings.
6. Maintain knowledge of market trends, lending regulations, and underwriting best practices.
7. Prepare commercial closing documents.

Qualifications & Requirements

1. Bachelor's degree in finance, real estate, business, or a related field.
2. 5-10 years of experience in commercial mortgage underwriting, specifically in bridge loans, construction lending, and private money loans.
3. Strong understanding of real estate investment structures, collateral-based lending, and risk assessment.
4. Excellent analytical skills with the ability to assess borrower creditworthiness and property value.
5. Proficiency in financial modeling and loan structuring.
6. Strong communication skills and attention to detail.
7. Ability to work independently in a remote environment while meeting deadlines.
8. Must be available to work during Hawaii business hours.

Seniority level: Mid-Senior level

Job function: Finance and Sales