Bridge Loan Underwriter

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