Senior Underwriter

Job Description

We're seeking an experienced Senior Underwriter to lead credit decisions across our residential transition loan (RTL), bridge, fix-and-flip, and ground-up construction portfolio. This is a high-impact position for someone who exercises sound judgment, not just follows a checklist.

You'll evaluate each opportunity from end to end, analyzing the sponsor, collateral, construction budget, project feasibility, and exit strategy to ensure every deal meets our credit standards. As we grow, you'll also play a key role in refining our credit box, strengthening underwriting guidelines, and helping build the underwriting discipline that supports a best-in-class lending platform.

This is an on-site position in Miami, working closely with our Origination, Processing, Closing, and Executive Leadership teams.

Key Responsibilities

Underwrite residential transition, bridge, fix-and-flip, and ground-up construction loans from initial review through final approval.

Analyze borrower experience, creditworthiness, liquidity, financial strength, and overall project economics.

Evaluate as-is value, after-repair value (ARV), loan-to-value (LTV), loan-to-cost (LTC), construction budgets, draw schedules, and project feasibility.

Pressure-test exit strategies to ensure strong principal protection.

Review appraisals, title commitments, insurance, and third-party reports for overall credit quality.

Prepare clear, concise, and well-supported credit memorandums for approval.

Underwrite loans to both Lendyx credit standards and takeout program requirements to ensure files are complete, compliant, and saleable.

Partner with leadership to enhance underwriting policies, credit guidelines, and operational workflows as the company scales.

80,000-120,000k

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to View email address on click.appcast.io learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy:

Skills and Requirements

5+ years of underwriting experience within private lending, hard money lending, or residential real estate lending.

Experience underwriting residential transition loans (RTL), bridge loans, fix-and-flip projects, and ground-up construction loans.

Strong understanding of construction lending fundamentals, including construction budgets, draw schedules, project feasibility, and risk assessment.

Ability to analyze borrower creditworthiness, liquidity, financial strength, collateral, and overall project economics.

Experience evaluating key lending metrics such as ARV, LTV, LTC, and exit strategies.

Proven ability to identify and mitigate risk beyond standard underwriting guidelines.

Experience reviewing appraisals, title reports, insurance documentation, and other third-party due diligence items.

Background underwriting loans intended for institutional buyers, aggregators, or secondary market sale preferred.

Knowledge of the Florida real estate and lending market is highly preferred.

Strong analytical, communication, and decision-making skills with the confidence to independently own credit decisions.

Ability to thrive in a fast-paced, entrepreneurial lending environment.

Experience preparing detailed credit memorandums and presenting recommendations for approval.