Loan Processor & Underwriter (Private Real Estate Lending)

About the role

A U.S.-based private real estate lender that funds short-term, business-purpose loans for Fix & Flip, Bridge, DSCR rental and Ground-Up Construction projects is expanding its remote operations team. It is hiring a Loan Processor & Underwriter to own underwriting, loan file completeness and follow-up until conditions are satisfied. The role is fully remote, open to candidates living in Latin America, with a schedule of Monday to Friday, 8:45 AM to 5:45 PM U.S. Eastern Time.

Key responsibilities

• Underwrite business-purpose Fix & Flip, Bridge, DSCR and Ground-Up Construction loans, analyzing credit, borrower experience, liquidity, LTV/LTC, as-is value, ARV, DSCR, construction budgets and exit strategy, and approve loans within delegated guidelines while escalating exceptions.
• Collect, verify and organize borrower, guarantor, entity and property documents, and keep conditions and loan files accurate in the company's loan portal and CRM.
• Order, track and review appraisals, including comparables, and work with the appraisal management company on corrections or reconsiderations, advising the originator of material changes in value or risk.
• Follow up proactively with borrowers, brokers, originators and vendors until documents and conditions are resolved, and coordinate with the closer on underwriting items through funding and after closing.

Required profile

• At least 1.5 years of hands-on experience at a U.S. hard money or private real estate lender, originating or servicing business-purpose investment property loans.
• Advanced written and spoken English.
• Attention to detail, strong analytical skills, and comfort in a fast-paced lending environment with urgent requests.
• Availability to work U.S. Eastern Time business hours; candidates must live in Latin America.
• Conventional consumer mortgage experience alone (FHA, VA, Fannie Mae or Freddie Mac) does not meet the requirement.

Required skills

• Ability to work in Gmail, GoHighLevel (GHL) or a similar CRM and an online loan portal for documents and workflow.
• Underwriting and loan processing experience at a comparable lender.

What we offer

• Pay of $1,700 to $2,300 USD per month.
• Fully remote work from anywhere in Latin America.
• The chance to deepen experience in U.S. private real estate lending.