Bridge Loan Underwriter

NightOwl Consulting Philippines Inc.; Philippines; On-site; PHP 1,562,000 - 1,786,000; Full time

Benefits offered by this job

Above market salary

HMO on Day 1 for principal & dependets

Government-mandated benefits

Performance-based incentives

Quarterly company events

1,000 PHP De Minimis

Equipment and software provided

Job summary

NightOwl Consulting Philippines Inc. seeks a Bridge Loan Underwriter to evaluate, underwrite, and approve short-term bridge loan applications per company risk standards. You will assess borrower credit, collateral value, exit strategies, and overall deal viability to support fast but prudent lending decisions.

A finance or real estate background with 2+ years in bridge loan underwriting is required. Proficiency in valuation models and Excel, plus strong analytical and communication skills, are

Qualifications

• Bachelor's degree in finance, business, real estate or related field.
• 2+ years of underwriting experience in bridge loans or related lending.
• Strong analytical, risk assessment and decision-making skills.

Responsibilities

• Conduct initial reviews of bridge loan applications for viability and completeness.
• Order reports (title prelims, appraisals, BPOs) when required.
• Review title prelims to identify liens or ownership issues.
• Analyze borrower financials, liquidity, and real estate experience.
• Assess exit strategies and ROI for deal viability.
• Prepare underwriting summaries and recommendations for senior review.
• Ensure compliance with guidelines and investor requirements.
• Maintain underwriting notes and documentation in the LOS.

Skills

Bridge loan underwriting

Financial analysis

Credit assessment

Communication skills

Deadline-driven

Education

Bachelor's degree in finance, business, real estate

Tools

LOS platforms

Valuation models

Advanced Excel

Job description

Department: Operations

Location: Client

Compensation: ₱140,000 - ₱160,000 / month

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