Junior Underwriter - Hard Money & Construction Lending (Non-Licensed)

Strengthen Real Estate Lending Through Smarter Underwriting

Turn financial insight into faster, smarter property investment decisions with a respected U.S. lending organization. The Experienced Junior Underwriter - Hard Money & Construction Lending (Non-Licensed) strengthens credit quality across hard money, bridge, construction, and rental loans while supporting sustainable portfolio growth. Through Emapta, top 1% talent gains a top 1% global career experience featuring stability, development, meaningful progression, work-life balance, international exposure, and lasting impact.

Snapshot

  • Employment Type: Full-time
  • Work Setup: Permanent Work From Home
  • Shift: Night Shift, 8:00AM - 5:00PM Eastern Time, Weekends Off

Benefits

  • Competitive Salary Package
  • Night differential pay to maximize your earnings
  • Fixed weekends off
  • Permanent WFH arrangement
  • HMO coverage with free dependent upon regularization
  • Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
  • Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: )
  • Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
  • Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
  • Unlimited opportunities for employee referral incentives across the organization
  • Standard government and Emapta benefits
  • Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
  • Fun engagement activities for employees
  • Mentorship and exposure to global leaders and teams
  • Career growth opportunities
  • Diverse and supportive work environment

Qualifications

Required

  • 1-5 years of underwriting experience in hard money, private lending, bridge lending, construction lending, commercial real estate, or residential investment lending
  • Strong understanding of asset-based lending principles and real estate investment transactions
  • Experience reviewing investment property transactions, including fix-and-flip, bridge, ground-up construction, rental property financing, and Debt Service Coverage Ratio (DSCR) loans
  • Experience evaluating lending metrics and risk factors, including Loan-to-Value (LTV), Loan-to-Cost (LTC), After-Repair Value (ARV), Debt Service Coverage Ratio (DSCR), borrower liquidity, and exit strategies
  • Ability to analyze construction budgets, rehabilitation costs, contractor bids, and draw schedules
  • Experience reviewing title commitments, appraisals, insurance policies, and entity documentation
  • Excellent analytical, organizational, and decision-making skills
  • Ability to manage multiple loan files while maintaining accuracy and meeting turnaround times
  • Strong written and verbal communication and collaboration skills
  • No National Mortgage Licensing System (NMLS) license required

Preferred

  • Bachelor's degree in Finance, Business, Real Estate, or a related field, preferred but not required
  • Experience underwriting private money or direct lender loan products
  • Familiarity with residential and light commercial investment properties
  • Knowledge of foreclosure timelines, title issues, and real estate closing processes
  • Experience with construction loan administration and draw management
  • Proficiency in mortgage or commercial Loan Origination Systems, such as Encompass, LendingWise, The Mortgage Office, or similar platforms

Core Competencies

  • Strong expertise in asset-based credit analysis
  • Proven ability to assess collateral risk
  • Solid experience evaluating construction projects
  • Strong knowledge of real estate investment analysis
  • Excellent critical-thinking skills and sound judgment
  • High level of accuracy and attention to detail
  • Strong time-management and organizational skills
  • Effective written and verbal communication skills
  • Ability to thrive in a fast-paced lending environment
  • Customer-focused mindset with a solutions-oriented approach

Responsibilities

  • Conduct preliminary underwriting reviews for hard money, bridge, fix-and-flip, ground-up construction, rental, and other residential investment property loans.
  • Analyze borrower experience, liquidity, credit profiles, and overall financial strength.
  • Review purchase contracts, renovation budgets, construction plans, draw schedules, scopes of work, and contractor information.
  • Evaluate loan requests based on collateral value, Loan-to-Value (LTV), Loan-to-Cost (LTC), After-Repair Value (ARV), and overall investment risk.
  • Examine appraisals, Broker Price Opinions (BPOs), title reports, insurance policies, surveys, and applicable environmental information.
  • Assess borrower entities, operating agreements, trust documents, and other business organizational records.
  • Verify borrower liquidity, reserves, and available funds for closing and project completion.
  • Identify underwriting risks and recommend appropriate loan structures or mitigating conditions.
  • Issue underwriting conditions and communicate documentation requirements to loan officers and loan processors.
  • Maintain detailed underwriting notes and recommendations within the Loan Origination System (LOS).
  • Ensure loan files comply with company credit policies, investor requirements, and applicable federal and state regulations.
  • Assist senior underwriters with complex loan scenarios and exception requests.
  • Uphold underwriting quality while consistently meeting company turnaround-time expectations.

About the Client

Our client is a dynamic U.S.-based private lender advancing real estate investment through fast, flexible financing solutions. Serving investors, developers, contractors, and business owners, the company provides fix-and-flip, bridge, residential, multifamily, and commercial hard money loans nationwide. Its streamlined process, internal property valuation capabilities, and customer-first guidance help borrowers move from opportunity to closing with greater speed and confidence. Backed by deep market expertise, the organization enables clients to transform properties, build portfolios, and pursue sustainable returns at scale successfully.

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.

Apply now and experience the difference!

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