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NightOwl ConsultingNC

Bridge Loan Underwriter

NightOwl Consulting Philippines Inc. is a Global Business Service (GBS) provider connecting companies with world-class talent in the Philippines, offering customized outsourcing solutions with a focus on client partnership and employee well-being.

NightOwl Consulting

Employee count: 51-200

Salary: 1680k-1920k PHP

United States only

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The Bridge Loan Underwriter is responsible for evaluating, underwriting, and approving short-term bridge loan applications in accordance with company guidelines and risk standards. This role focuses on assessing borrower creditworthiness, collateral value, exit strategies, and overall deal viability to support fast-paced lending decisions while maintaining portfolio quality.

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

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Salary

Salary: 1680k-1920k PHP

Education

Bachelor degree

Experience

2 years minimum

Experience accepted in place of education

Location requirements

Hiring timezones

United States +/- 0 hours

About NightOwl Consulting

Learn more about NightOwl Consulting and their company culture.

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NightOwl Consulting Philippines Inc. was established with a foundational desire to deliver enhanced services for both its clients and its employees. As a Global Business Service (GBS) provider, the company focuses on offering next-level support that combines extraordinary production with operational ease. NightOwl Consulting prides itself on its firsthand experience in customizing business pathways to create a comprehensive team experience at a reduced cost, exemplifying its capacity to build out significant team structures, such as a 12-man team, at the cost equivalent of two traditional hires. The company's mission is centered on connecting businesses with world-class talent, while its vision is to cultivate a global family that aspires to achieve its highest potential. The founders conceptualized NightOwl to be more than a conventional Business Process Outsourcing (BPO) firm, positioning it as a GBS provider dedicated equally to client success and employee well-being, fostering an environment of continuous growth and development.

The core philosophy at NightOwl Consulting is to redefine the landscape of GBS by intertwining excellence with unwavering integrity. This approach was born from the founders' own experiences as clients of BPO firms, where they identified a lack of true partnership—one where employee welfare mirrored the dedication to client satisfaction. This realization led to the inception of NightOwl, where nurturing a culture where every team member feels heard and genuinely valued is paramount. The company's overarching mission is to democratize access to premium BPO services, making outsourcing a viable option for enterprises of all scales. Drawing from their client-side experiences, they pinpointed a gap in the traditional BPO model and envisioned a more holistic approach. This vision materialized into a company where client collaboration is a core principle, not just a buzzword. NightOwl Consulting is committed to forging close partnerships, comprehensively understanding unique client needs, and meticulously tailoring solutions to align seamlessly with their objectives. They position themselves as steadfast allies, diligently working alongside clients and their teams to navigate challenges and propel them towards their goals.

NightOwl Consulting emphasizes a 'white glove' experience for outsourcing, particularly for companies looking to hire overseas talent, primarily in the Philippines. Their process is designed to be high-touch, alleviating common client pain points associated with outsourcing. This includes pre-screening candidates, conducting IQ and personality tests, interviewing on behalf of clients, and providing training before onboarding. The company's guiding principle is to help businesses leverage the benefits of outsourcing without needing to become outsourcing experts themselves. They offer a transparent cost-plus pricing model, aiming for clients to save significantly per role. Employees hired through NightOwl work full-time and exclusively for their respective clients. The company supports various work setups, with a popular option being work-from-home arrangements. Core values such as GRIT, GROWTH, FUN, and FAMILY underpin all their operations, fostering a 'Can Do, Will Do' spirit that encourages pushing beyond conventional business practices.

Employee benefits

Learn about the employee benefits and perks provided at NightOwl Consulting.

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Above market salary

Competitive compensation.

Quarterly Company Events

Regular company gatherings.

Paid leave incentives

Incentives for paid time off.

Performance based Incentives

Incentives based on performance.

View NightOwl Consulting's employee benefits
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NightOwl Consulting

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