Loan Processor & Underwriter (Private Real Estate Lending)

Overview

This role supports a U.S.-based private real estate lender providing short-term, business-purpose loans to real estate investors. As loan volume grows, the organization is building out its fully remote operations team.

The employer is seeking an experienced Loan Processor & Underwriter to own underwriting, ensure loan file completeness, and follow each file through satisfaction of underwriting conditions up to closing readiness.

• Employment type: Full-Time
• Openings: 2
• Work arrangement: Fully Remote
• Location: Remote, Latin America (LATAM)
• Schedule: Monday to Friday | 8:45 AM to 5:45 PM U.S. Eastern Time (ET)
• Start date: As soon as possible (early November 2026)

Responsibilities

Underwriting

• Underwrite business-purpose Fix & Flip, Bridge, DSCR rental, and Ground-Up Construction loans.
• Analyze deal and borrower risk, including credit, borrower experience, liquidity, LTV/LTC, as-is value, ARV, DSCR, construction budgets, and exit strategy.
• Approve loans within delegated guidelines and escalate exceptions.

Loan File Management

• Collect, verify, and organize borrower, guarantor, entity, and property documentation.
• Maintain accurate conditions and loan files in the company loan portal and CRM.

Appraisal Review

• Order, track, and review appraisals, including comparable sales and valuation.
• Work with the appraisal management company on corrections and/or reconsiderations.
• Notify the originator promptly of any material changes in value or risk.

Follow-Up & Communication

• Proactively follow up with borrowers, brokers, originators, and vendors until all outstanding documents and underwriting conditions are resolved.
• Provide prompt, professional updates and maintain strong borrower service.

Closing Support

• Coordinate with the closer on underwriting-related items through funding.
• Identify and correct underwriting deficiencies discovered after closing.

Requirements

• 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 (Fix & Flip, Bridge, DSCR and/or Ground-Up Construction).
• Practical underwriting and loan processing experience at a comparable lender.
• Advanced written and spoken English.
• High attention to detail and strong analytical skills.
• Ability to work in Gmail, GoHighLevel (GHL) or a similar CRM, and an online loan portal for documents, files, and workflow.
• Strong work ethic and ownership: hardworking, dependable, proactive, accountable; follow up without reminders.
• Comfortable in a fast-paced lending environment, handling urgent requests and meeting deadlines without compromising accuracy or controls.
• Availability to work 8:45 AM to 5:45 PM U.S. Eastern Time (ET).

Important note: Conventional consumer mortgage experience alone (FHA, VA, Fannie Mae, or Freddie Mac loans) does not meet the experience requirement.

Preferred Qualifications

• Not specified.

Compensation & Benefits

• Compensation: $1,700 to $2,300 USD/month
• Benefits: Not specified.

Location & Eligibility

• Candidates must reside in Latin America.
• Direct experience at a U.S. hard money or private real estate lender is required.
• Availability to work U.S. Eastern Time business hours is required.

How Success Is Measured

• Loan files are complete, accurate, and organized at every stage.
• Underwriting decisions are well supported and remain within guidelines.
• Outstanding conditions are cleared quickly with minimal reminders.
• Appraisal issues and material changes are flagged early.
• Borrowers, brokers, and originators receive timely, professional updates.

Application Instructions

• Submit your CV in English.
• Include the lender(s) you worked for, your employment dates, and the loan types you handled.