Underwriter, Private Real Estate Lending & AI Tools

F2 Finance

Santa Monica (CA)

On-site

USD 90,000 - 130,000

Full time

14 days+

Application generator

A complete application in a minute — tailored resume and cover letter, ready to send.

Get past ATS filters

Benefits offered by this job

Medical insurance

401k

Paid holidays

Parking

Training & development

Office coffee & snacks

Job summary

F2 Finance in Santa Monica, CA is seeking an experienced Underwriter to join our growing real estate lending team. You will support underwriting and processing of residential bridge loans, review borrower and property information, and help build our AI underwriting system.

Candidates have direct loan processing/underwriting experience in private lending, DSCR or fix-and-flip lending; you thrive in a fast-paced environment, manage multiple files, and collaborate with loan officers, title, escrow,

Qualifications

Direct experience in loan processing and/or underwriting.
Experience in private lending, hard money lending, residential bridge lending, fix-and-flip lending, DSCR lending, mortgage lending, or real estate finance.
Ability to work in-office in Santa Monica, California.
Strong understanding of loan files, borrower documents, property diligence, title, escrow, insurance, payoff statements, and closing conditions.
Excellent attention to detail and ability to identify missing information, inconsistencies, and risk factors.
Strong organizational skills and ability to manage multiple active files at once.
Clear written and verbal communication skills.
Comfort working with spreadsheets, loan systems, CRMs, and structured data.
Familiarity with AI tools and willingness to use AI systems as part of day-to-day work.
High integrity and discretion when handling borrower, broker, and financial information.

Responsibilities

Review new loan submissions and organize borrower, broker, and property information.
Assist with underwriting residential bridge, fix-and-flip, and investor property loans.
Review borrower experience, credit, liquidity, entity documents, background information, and transaction rationale.
Review property information, appraisals, broker price opinions, comparable sales, market data, leases, insurance, title, payoff statements, and other diligence materials.
Help calculate and verify key loan metrics, including LTV, LTC, borrower equity, reserves, payoff amounts, and exit strategy.
Identify missing items, inconsistencies, red flags, and deal risks early in the process.
Prepare concise underwriting summaries, loan notes, and approval materials.
Coordinate with loan officers, borrowers, brokers, title, escrow, insurance providers, valuation providers, and other third parties.
Track open conditions and follow up consistently to keep files moving toward closing.
Ensure deal information is complete, accurate, and consistent across internal systems.
Support the handoff from underwriting to closing, including final condition tracking and file preparation.
Assist with post-closing file review and internal recordkeeping.
Use our internal AI underwriting and processing tools to manage pipeline, review information, and improve file accuracy.
Help test, refine, and improve AI-driven workflows, checklists, prompts, and underwriting outputs.
Work with the team to identify bottlenecks, reduce manual work, and improve turnaround times.
Provide practical feedback on how our AI systems can better support real-world underwriting and processing.
Help build repeatable, scalable processes as F2 Finance ramps up loan volume.