Underwriter

Role Description

We are seeking a detail-oriented and forward-thinking Mortgage Underwriter to join our private lending team. This role is responsible for overseeing credit analysis, evaluating risk, and ensuring that loans are structured to align with company standards and investor requirements. The underwriter will act as a gatekeeper for credit quality, making independent decisions on complex borrower and sponsor scenarios while supporting the growth of the business through sound risk management. This position requires an individual who thrives in a fast-paced environment, possesses strong analytical skills, and can balance independent judgment with collaboration across multiple teams and counterparties. Protecting the balance sheet while enabling responsible growth will be your primary mission.

Qualifications

• Minimum 3–5 years of mortgage underwriting or credit analysis experience within private lending, investment lending including fix & flip, DSCR, bridge, and construction loans.
• Strong risk assessment and cash flow modeling for investment properties.
• Excellent written & verbal skills; able to draft clear, persuasive credit memos.
• High attention to detail and the ability to make sound, independent credit decisions.
• Thorough understanding of mortgage loan structures and secondary market expectations.
• Familiarity with risk management frameworks and underwriting systems.
• Proven track record handling complex borrower profiles and structured loan products.
• Team Player – Collaborates effectively across departments and with external partners.
• Leader by Example – Models integrity, sound judgment, and accountability in all underwriting decisions.

Requirements

• Conduct in-depth quantitative and qualitative credit analysis.
• Evaluate complex borrower to determine repayment capacity and creditworthiness.
• Identify, assess, and flag credit risks, including irregularities that may not be captured by standard guidelines.
• Ensure each loan is a quality asset—structured to protect the company’s balance sheet while maintaining marketability in the secondary market.
• Review loan requests for policy exceptions, document variances, and provide recommendations for cures.
• Perform risk reviews and quality-control checks at various stages of the loan cycle.
• Verify third-party due diligence reviews fall within company guidelines to reduce risk.
• Work with both internal & external partners to resolve complex deal structures and underwriting scenarios.
• Prepare and present comprehensive credit memos and presentations for internal approval committees and external counterparties.
• Clearly articulate underwriting decisions, rationale, and risk considerations to all stakeholders in a professional, concise manner.
• Review borrower documentation to clear outstanding loan conditions.
• Communicate effectively with internal teams, borrowers, and external partners to facilitate timely resolution and loan closings.
• Take ownership of meeting Service Level Agreements (SLAs) and deliver accurate, timely underwriting decisions.
• Partner with secondary market teams to prepare and package loans for sale.
• Ensure all required documentation is complete, accurate, and compliant with investor guidelines.
• Actively involved in the secondary market activities and initiatives within new and existing loan products including fix and flip, DSCR, bridge, and construction loans.
• Demonstrate independence in decision-making while remaining open to alternative perspectives and input from peers and leadership.

Benefits

• Health Insurance – Robust medical coverage with costs primarily covered by the employer.
• 401(k) Retirement Plan – Plan for your future with our retirement savings program.
• Commuter Benefits Program – Save on your daily commute with pre-tax transportation options.
• Employee Assistance Program (EAP) – Access free and confidential support for personal or professional challenges.
• Financial Wellness Resources – Tools and guidance to help you reach your financial goals.
• Paid Time Off – Enjoy 15 days of PTO annually, plus company-observed holidays.
• Sick Leave – Take care of your health with 5 paid sick days per year.