Underwriter

We are seeking an experienced Underwriter to join our growing team. The ideal candidate brings strong analytical expertise, sound credit judgment, and experience underwriting residential construction, bridge, or investment property loans.

Requirements

• 3–7+ years of underwriting, credit analysis, or real estate finance experience
• Bachelor’s degree in Finance, Accounting, Real Estate, Business Administration, or a related field preferred
• Strong ability to analyze borrower financial statements, tax returns, liquidity, net worth, and project financials to assess creditworthiness and risk
• Understanding of residential construction lending, development budgets, loan-to-value (LTV), loan-to-cost (LTC), interest reserves, and construction draw structures
• Ability to evaluate property values, comparable sales, market trends, and third-party reports such as appraisals, inspections, and feasibility studies
• Demonstrated ability to identify potential credit risks, evaluate mitigation strategies, and structure loans consistent with company credit policy and investor requirements
• Proficiency in loan origination systems, financial modeling tools, and Microsoft Office applications, particularly Excel
• Strong written and verbal communication skills with the ability to clearly present credit analysis and recommendations to Loan Committee and senior leadership
• Highly detail-oriented with the ability to manage multiple loan files simultaneously while maintaining accuracy and meeting deadlines
• Ability to work effectively with Loan Officers, Transaction Coordinators, and other internal teams in a fast-paced lending environment
• Strong decision-making skills with the ability to balance risk management with business growth objectives

Benefits

• Generous Paid Time Off
• Paid Holidays