Underwriter - Real Estate Purpose Lending

Trentium Capital · Fort Lauderdale

FULL TIME$2,50,000 – $2,50,000 / yr

Job Description

About the Role Trentium Capital is hiring an experienced Underwriter

to join our business-purpose real estate lending team in our Fort Lauderdale office.

This role is responsible for underwriting loans to real estate investors, builders, and developers

across ground-up construction, fix & flip, bridge, DSCR, and large-balance residential investment transactions.

We are not looking for a traditional consumer mortgage underwriter or someone who simply works through a checklist. The right candidate understands real estate, sponsor strength, project economics, leverage, collateral, and exit strategy and can quickly determine what makes a transaction work—or what makes it too risky.

You will work closely with originations, processing, closing, capital markets, and leadership to structure transactions, identify risk, establish conditions, and move quality loans from initial review through approval and closing. What You’ll Do

Underwrite business-purpose real estate loans from initial submission through final approval

Analyze sponsor and guarantor credit, liquidity, net worth, experience, and financial capacity

Review borrower and entity structures

Analyze purchase price, cost basis, payoff, project costs, sources and uses, and requested loan amount

Review construction and renovation budgets

Evaluate sponsor experience relative to project size and complexity

Review appraisals and analyze current value, as-is value, ARV, and collateral risk

Calculate and evaluate LTC, LTV, LTARV, DSCR, and other applicable leverage metrics

Analyze ground-up construction and fix & flip projects, including remaining costs and completion risk

Underwrite acquisition, bridge, refinance, recapitalization, and qualifying cash-out transactions

Review DSCR transactions and rental income

Analyze credit reports, background reports, bank statements, personal financial statements, schedules of real estate, entity documents, and supporting financial information

Evaluate loan purpose, project feasibility, exit strategy, and repayment risk

Identify exceptions, weaknesses, and compensating factors

Prepare clear credit recommendations for approval

Establish underwriting conditions and determine what is required to close

Work with originators to structure transactions within Trentium’s lending programs

Communicate underwriting decisions and credit concerns clearly and efficiently

Help find reasonable structures for good transactions without compromising credit quality

Maintain accurate underwriting information in Trentium’s loan origination systems

Help improve underwriting processes and credit workflows as Trentium scales

What We’re Looking For We are especially interested in candidates with underwriting experience in:

Private / hard-money lending

Business-purpose real estate lending

Residential transition lending

Ground-up construction

Fix & flip / rehab

Bridge lending

DSCR / investor lending

Residential investment real estate

Small-balance commercial real estate lending

Strong candidates should be comfortable independently evaluating:

Sponsor experience

Credit and financial capacity

Liquidity and net worth

Construction and renovation risk

Real estate collateral

Project economics

LTC, LTV, LTARV, and DSCR

Loan structure

Exit strategy

Entity and guarantor structure

Exceptions and compensating factors

We value underwriters who understand the difference between a manageable exception and a bad loan .

You should be analytical and detail-oriented while also understanding that private lending is an execution-driven business. We want someone who can protect the company’s credit standards without creating unnecessary friction or delays on transactions that make sense.

Traditional consumer mortgage underwriting experience alone is generally not the profile we are looking for . What Success Looks Like A strong Trentium underwriter should be able to quickly answer:

Is this a good real estate loan?

How much should we lend?

What are the material risks?

Does the sponsor have the experience and financial capacity to execute?

Does the collateral support the requested leverage?

Is the exit strategy realistic?

What conditions or structural changes are needed to get comfortable?

Is there a reasonable way to get the transaction done?

We are looking for someone who takes ownership, communicates clearly, makes sound credit decisions, and understands that underwriting plays an important role in both risk management and execution . About Trentium Capital Trentium Capital is a private, business-purpose real estate lending platform serving real estate investors, builders, and developers nationwide .

Our lending platform includes:

Ground-up construction

Fix & flip / rehab

Bridge

DSCR

Large-balance and luxury residential lending

Single-asset transactions ranging approximately from $250K to $15MM

We are building Trentium around speed, certainty of execution, white-glove service, strong lending products, technology, and disciplined credit decision-making .

Our goal is to build an underwriting organization capable of moving quickly and intelligently while maintaining strong credit quality as the company scales. Location This is a full-time, in-office position based in Fort Lauderdale, Florida .

Candidates should be able to work from Trentium’s Fort Lauderdale office five days per week . Growth Opportunity

Trentium is continuing to scale its lending platform nationally. High-performing team members will have opportunities to take on greater responsibility as the company grows, including potential paths into senior underwriting, credit, and lending leadership roles .

Company	Trentium Capital
Location	Fort Lauderdale
Type	FULL TIME
Niche	Business and Financial Operations Occupations
Salary	$2,50,000 – $2,50,000 / yr

Explore 1M+ Live Opportunities.

Underwriter - Real Estate Purpose Lending

Job Description