Assistant Insurance Underwriter

F2 Finance is a real estate lending business focused on residential bridge loans.

We are a balance sheet lender providing fast, reliable financing to real estate investors, developers, and operators across the US. Our core product is short-term, asset-backed lending secured by residential property, including fix-and-flip, bridge, and transitional loans.

We are a business that is scaling, led by a founder with a track record of building multi-billion-dollar AUM lending businesses. This is an opportunity to join F2 Finance at an important stage of growth, working directly with the senior team and helping build the platform as we ramp up.

We are now building F2 Finance into a major US real estate lending platform, with a focus on speed, disciplined underwriting, strong borrower service, and technology-enabled execution.

As part of this, we are developing our own internal AI underwriting and loan processing system to help us manage pipeline, improve accuracy, reduce manual work, and scale the business efficiently.

We are looking for someone with direct experience in loan processing and/or underwriting, ideally in private lending, hard money lending, residential bridge lending, fix-and-flip lending, DSCR lending, or a similar real estate lending environment.

You will help review borrower information, assess property collateral, manage deal checklists, prepare underwriting materials, coordinate diligence, and keep files moving through the pipeline.

You will also play an important role in helping us build, test, and improve our internal AI underwriting and processing system. We are looking for someone who is comfortable using AI tools, interested in how technology can improve lending operations, and willing to help us iterate systems that drive efficiency, accuracy, and scale.

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.

Pipeline and closing coordination Manage loan file checklists and ensure required documents are requested, received, reviewed, and organized.

Coordinate with loan officers, borrowers, brokers, title, escrow, insurance providers, valuation providers, and other third parties.

AI systems and process improvement 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.

Help build repeatable, scalable processes as F2 Finance ramps up loan volume.

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.

Comfort working with spreadsheets, loan systems, CRMs, and structured data.

High integrity and discretion when handling borrower, broker, and financial information.

Competitive base salary plus performance-based bonus, and other benefits include:

medical insurance

paid holidays

parking in our building

training and development

good coffee, paid office lunch twice a week, endless snacks and a great work environment

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