Bridge Loan Underwriter
About this role
Bridge Loan Underwriter
Department: Operations
Employment Type: Full Time
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
Company at a glance
Scale your business with the latest business systems and grow your revenue with creative and authentic marketing.
Learn invaluable business practice from our business consultants while collaborating with us on your next business project:
-Custom website development that tells your business' story with modern and authentic copywriting
-Logo and branding design
-Financial structuring and analysis
-Database implementation and management
-One-on-one business counseling sessions
Founded2022
Team Size2-10 employees
WorkspaceOn-site
IndustryBusiness Consulting and Services
Location
Brgy. Bulwang, Numancia, Aklan, Philippines
Websitenight-owl.net
LinkedInLinkedIn
Top Benefits
- Above Market Salary
- HMO For Principal And Two Dependents
- Government-mandated Benefits
- Performance-based Incentives
- Quarterly Company Events
- De Minimis Allowance
- Equipment And Software Provided
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