Underwriter

Guaynabo, Puerto Rico
Temporary
Experienced

THIS IS A SHORT-TERM TEMPORARY EMPLOYMENT OPPORTUNITY

Position Summary

The Underwriter is responsible for conducting comprehensive underwriting reviews for all Program cases in compliance with HUD and PRDOH criteria. This role requires strong analytical skills, attention to detail, and the ability to evaluate applicants’ financial viability. The Underwriter will request additional documentation as necessary, prepare Award Notifications, and coordinate pre-Grant closing documents prior to Environmental Review and/or Award Coordination. The position is temporary/part-time to provide services as needed. Work can be done remotely.

Job Duties and Responsibilities include:

  • Conduct underwriting reviews for all program cases in accordance with HUD’s and PRDOH’s underwriting criteria.
  • Evaluate applicants for financial viability based on program requirements.
  • Request additional information and supporting documentation from applicants as needed.
  • Identify qualified applicants and prepare award notifications.
  • Send pre-grant closing documents prior to Environmental Review and/or Award Coordination.
  • Ensure compliance with federal regulations, specifically 24 CFR Part 570, Appendix A.
  • Other duties as assigned.
 

Skills and Competencies

  • Strong analytical and problem-solving skills.
  • Ability to interpret and apply complex regulations and financial requirements.
  • High attention to detail and organizational skills.
  • Effective written and verbal communication in both Spanish and English.
  • Ability to work independently in a remote environment.
 

Education and Experience

  • Education: Bachelor’s degree in Business Administration from an accredited institution, with major coursework in Finance, Accounting, Banking, Real Estate, or related fields.
  • Experience: Minimum of three (3) years in commercial and residential underwriting, credit analysis, and risk analysis in a bank, commercial lender, private equity firm, lending institution, bank regulator, or financial advisory firm.
  • Technical Expertise:
    • Loan underwriting for commercial and residential real estate, industrial facilities, and various loan types.
    • Credit file and report reviews, appraisal reviews, and pro forma analysis for development, operational, and financial projections.
    • Review of construction estimates, property condition reports, debt structures, and cash flow analysis.
    • Risk analysis, debt coverage reviews, and market/industry data analysis.
    • Strong knowledge of financial ratio analysis tools.
  • Language Skills: Bilingual – fluent in Spanish and English (speak, read, write, and communicate effectively).

Job Location: Guaynabo, Puerto Rico


Job Description Disclaimer
This position description incorporates the job's core responsibilities. It recognizes that other related duties not specifically mentioned might also be performed and that not all responsibilities may be carried out depending on operational needs.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, national origin, disability, or status as a protected veteran. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position. Upon hire, secondary employment and other employment restrictions must be disclosed and approved.

Tidal Basin Holdco, LLC, and its subsidiaries and affiliated companies, are an Equal Employment Opportunity Employer.
 
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