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Role Description

Our Senior Underwriter plays a critical role in evaluating and managing risk for real estate-backed hard money loan transactions. This position requires deep expertise in underwriting Fix & Flip, Bridge, and Ground-Up Construction (GUC) loans within a fast-paced lending environment. The ideal candidate is highly analytical, decisive, and comfortable balancing speed, accuracy, and sound risk management to support efficient deal execution.

• Underwrite hard money loan transactions including Fix & Flip, Bridge, and Ground-Up Construction (GUC) loans
• Evaluate borrow creditworthiness, experience, liquidity, and overall financial strength
• Analyze property valuations using appraisals, broker price opinions (BPOs), and market data
• Review and assess construction budgets and project feasibility
• Calculate and evaluate key underwriting metrics, including LTV, LTC, ARV, and cash-to-close
• Identify, assess, and mitigate risk while supporting timely deal execution
• Clearly communicate underwriting decisions and rationale to internal teams
• Ensure all loans comply with company underwriting guidelines and investor requirements
• Participate in loan committee meetings and discussions as required

Qualifications

• Bachelor's degree preferred; equivalent combination of education and experience considered
• Minimum of two (2) years of direct hard money underwriting experience
• Proven experience underwriting Ground-Up Construction and Fix & Flip loans
• Strong understanding of real estate valuation and construction-related risk
• Ability to analyze complex loan structures and diverse borrower profiles
• Detail-oriented with strong judgement and decision-making capabilities
• Ability to perform effectively in a deadline-driven, high-volume environment

Requirements

• Exceptional ethical judgment and unwavering integrity
• Ability to thrive in a fast-paced, metric-driven environment
• Strategic thinking with strong analytical capabilities
• Outstanding written and verbal communication skills
• Work well within a team environment and possess a collaborative spirit
• Commitment to continuous improvement and professional growth

Benefits

• Comprehensive medical, dental, and vision coverage with employer-subsidized premiums
• Company-sponsored 401(k) retirement plan
• Paid time off (PTO), including vacation, sick time, and company-recognized holidays
• Employer-paid basic life insurance with optional supplemental coverage
• Annual performance-based bonus eligibility, where applicable
• Professional development, learning opportunities, and room to grow in your career
• Flexible or hybrid work arrangements, subject to role requirements