Bridge Loan Underwriter

NightOwl Consulting

Bridge Loan Underwriter responsible for assessing and approving short-term bridge loan applications for a mortgage client. Evaluating borrower creditworthiness and maintaining portfolio quality in fast-paced environment.

Posted 7/28/2026full-timeRemote • 🇵🇭 PhilippinesJuniorMid-Level💰 ₱140,000 - ₱160,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in underwriting bridge loans, including financial analysis, risk assessment, and compliance with investor guidelines. Proficient in evaluating borrower profiles and property valuations to make informed lending decisions.

Highest-signal resume keywords

Underwriting ExperienceFinancial Statement AnalysisReal Estate ValuationAdvanced Excel SkillsKnowledge of Lending Regulations

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Bridge Loan UnderwritingRisk Metrics CalculationCredit Profile AnalysisLTV AssessmentARV-Based LendingValuation Model ProficiencyFinancial ModelingTax Return InterpretationLoan Origination System (LOS) FamiliarityProperty Market Data Review

Soft Skills

Analytical SkillsOrganizational SkillsDecision-Making SkillsWritten Communication SkillsVerbal Communication Skills

Industry Keywords

Private LendingHard Money LendingResidential Real EstateCommercial Real EstateNon-QM LendingDSCR LendingFix-and-Flip LoansTransitional Real Estate LoansInvestor GuidelinesState-Specific Lending Regulations

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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

Comp & perks

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