Underwriter / Loan Processor

Key Responsibilities

• Manage the loan file from intake through closing: open the file, build the credit package, track conditions, and drive items to completion
• Order and review third party reports, including appraisals, title, flood, insurance, and background searches
• Coordinate with brokers, borrowers, title, escrow, and counsel to clear conditions on time
• Maintain clean, audit ready loan files and ensure documentation standards are met
• Underwrite support: Spread borrower financials, build sources and uses, and prepare initial credit summaries for the credit lead
• Draft term sheets and credit memos under the supervision of the credit lead
• Track exceptions and ensure policy compliance is documented on every file
• Portfolio and operational support: Support the credit lead on portfolio matters, including pulling data, updating the loan tape, and preparing watchlist materials
• Aid with extensions, payoffs, and routine borrower correspondence as directed
• Identify process improvements that reduce time to close and improve file quality

Requirements

• Experience: 2 to 4 years in private lending, hard money, residential bridge lending, mortgage operations, loan processing, or real estate finance. Direct experience closing loans, not just observing the process, is strongly preferred
• Judgment: Comfortable owning a file end to end, raising issues early, and working under direct supervision while showing initiative on the mechanics
• Organization: Excellent tracking discipline across many simultaneous files, deadlines, and counterparties. Strong attention to detail
• Communication: Clear, professional written and verbal communication with brokers, borrowers, and vendors
• Tools: Comfortable in Google Sheets. Familiarity with loan origination systems is a plus. Comfortable working in a modern, AI assisted workflow (we run on Notion and a system we have built in-house called ATLAS)

Benefits

10 days paid holiday
medical insurance
parking in our buildings
snacks, good coffee and weekly office lunches

About F2 Finance

F2 Finance is a private real estate lender originating short-term, residential bridge loans across the United States. We are part of the Faes & Co group and are growing a high velocity, in office team in Santa Monica. We pride ourselves on disciplined underwriting, fast execution, and an analytical, evidence based approach to credit. The role is a hands on role for someone who wants to learn private credit underwriting end to end, working files from initial intake through to closing, and supporting the broader credit and portfolio function.