NightOwl Consulting
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
Originally posted on Himalayas
To apply for this job please visit himalayas.app.
Working in Australia
Australia, officially the Commonwealth of Australia, is a country comprising the mainland of the Australian continent, the island of Tasmania and numerous smaller islands. It has a land area of 7,688,287 km2 (2,968,464 sq mi), making it the sixth-largest country in the world. Australia is the world's flattest and driest inhabited continent. It is a megadiverse country, and its size gives it a wide variety of landscapes and climates including deserts in the interior and tropical rainforests along the coast.
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