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Hybrid work schedule, 4-5 days per week in the Greenwood Village (Denver), CO office
Diya Finance is an institutional private lender that provides real estate investors and developers with business purpose financing on non-owner-occupied residential properties. We primarily focus on sourcing and funding DSCR Rental loans, Rehab Bridge, and Ground-Up Construction. We are a well-capitalized lender that is in the start-up phase, and the successful candidate will be an instrumental part of our growth journey. The Underwriter is responsible for assessment of various risks and adherence to lending guidelines pertaining to the Borrower, Sponsor/Guarantor, Property, and Construction Project.
Essential Duties & Responsibilities:
- Responsible for underwriting real estate lending transactions, including DSCR Rental loans and Bridge/Construction loans with a construction holdback.
- Review, manage, and critique the work of Underwriting Support staff.
- Analyze entity and guarantor financial information, both historical and future.
- Assess complex financial (entity and individual) and credit information according to internal underwriting standards, investor guidelines, and federal regulations.
- Complete construction project feasibility reviews, including analyzing construction budgets and scopes of work.
- Assist with the underwrite of construction draws, if needed.
- Identify relevant business, market, and other commercial risks faced by the borrower.
- Prepare risk assessments and credit memos.
- Interact directly with Loan Committee on Credit Policy and loan-level underwrites.
- Effectively manage a pipeline of loan underwrites that consists of DSCR Rental, Bridge and Ground-Up Construction loans.
- Offer recommendations on whether or not to approve a loan.
- Offer recommendations to improve process efficiency and reduce/eliminate underwriting oversights.
Desired Skills & Qualifications:
- Highly organized and able to prioritize.
- High mathematical aptitude.
- Excellent attention to detail with the ability to spot mistakes or potential problems and correctly complete all analysis and documentation involved in the underwriting process. Accuracy is essential for optimal job performance.
- Business judgment and ability to synthesize and analyze data.
- Excellent communication skills, both oral and written.
- Team player with experience collaborating with virtual or remote teams.
- Willingness to learn new skills and evolve knowledge of the industry.
- Proficiency in Microsoft Office.
- Goal-oriented and self-motivated with a determination to work hard to achieve set goals.
Education/Experience:
- At least 3 to 5 years mortgage underwriting experience.
- Experience underwriting Bridge Rehab and/or Ground-Up Construction loans is required.
- Experience underwriting DSCR Rental loans is a plus.
- High school diploma or equivalent. Some college preferred.
Benefits:
- Paid vacation and holidays
- Medical, dental, vision, life, and long-term disability insurance
- 401k
Candidate must be in Denver, CO
Diya is an institutional private lender that provides real estate investors and developers with business purpose financing on non-owner-occupied properties. We primarily focus on sourcing and funding Rehab Bridge and DSCR Rental loans. We are a well-capitalized lender that is in the start-up phase, and the successful candidate will be an instrumental part of our growth journey.
Essential Duties & Responsibilities:
- Source and interview potential clients who need financing and cultivate their business.
- Ability to effectively operate in an Inside Sales environment.
- Handle inbound leads sourced by the Company as well as execute outbound business development strategies.
- Advise clients on our loan programs and communicate loan structure and pricing information.
- Collect, evaluate, and verify loan applications and supporting documents, and work with the Processing team to ensure adequate documentation is received to move the file to Underwriting.
- Assist Processing / Underwriting in communicating underwriting conditions.
- Use leading technology solutions to manage your loan pipeline.
- Maintain a high degree of industry knowledge by participating in educational opportunities, reading professional publications, maintaining professional networks, and participating in professional organizations.
- Respond to applicants’ questions and resolve any loan-related issues.
- Maintain customer confidence by being well informed and always keeping loan information confidential.
Desired Skills & Qualifications:
- Proficiency with computers and software applications.
- Strong analytical and perception skills to assess client information and make solid decisions
- Attention to detail and thoroughness
- Professional sales, customer service-oriented negotiation and persuasion skills
- Outstanding interpersonal and communication skills.
Education & Experience:
- Minimum high school diploma or GED, a BA or BS in economics, finance, business, or other related field, preferred
- Sales experience required
- Mortgage or real estate sales experience preferred
Benefits & Compensation
- 401(k)
- Comprehensive benefits suite, including health and dental insurance
- Base salary ranging from $50,000 to $60,000
- Bonus structure based on funded loans
- Annual discretionary bonus
- Quarterly sales competitions with valuable prizes
- Potential for Sales Management positions as we scale.
Diya Finance Job location United States (Remote)
Diya is an institutional private lender that provides professional real estate investors and developers with business purpose financing on non-owner-occupied properties. We provide Bridge Rehab, New Construction, and DSCR Rental loan programs. We are a well-capitalized lender that is in the start-up phase, and the successful candidate will be an instrumental part of our growth journey.
Essential Duties & Responsibilities:
- Develop sales and revenue growth strategies.
- Establish and sustain strong relationships with company stakeholders, investors, and clients.
- Prospect and close direct relationships / loans with key target clients focused on driving growth of Diya’s bridge loan book, understanding that rental loan volume will also organically come from these relationships.
- Ability to effectively operate in an Outside Sales environment and operate effectively with a degree of independence.
- Execute outbound business development strategies and handle inbound leads sourced by the Company.
- Provide insight into loan program development and competitive positioning.
- Advise clients on our loan programs and communicate loan structure and pricing information.
- Collect, evaluate, and verify loan applications and supporting documents, and work with the Processing team to ensure adequate documentation is received to move the file to Underwriting.
- Assist Processing / Underwriting in communicating underwriting conditions.
- Use leading technology solutions to manage your loan pipeline.
- Maintain a high degree of industry knowledge by participating in educational opportunities, reading professional publications, maintaining professional networks, and participating in professional organizations.
- Respond to applicants’ questions and resolve any loan-related issues.
- Maintain customer confidence by being well informed and always keeping loan information confidential.
- Ability to analyze client feedback to determine level of satisfaction with Diya’s products and services and effectuate change as a result of that feedback.
Desired Skills & Qualifications:
- Proficiency with computers and software applications.
- Strong analytical and perception skills to assess client information and make solid decisions
- Attention to detail and thoroughness.
- Professional sales, customer service-oriented negotiation and persuasion skills.
- Outstanding interpersonal and communication skills.
Education & Experience:
- Minimum high school diploma or GED, a BA or BS in economics, finance, business, or another related field, preferred.
- Sales experience required.
- Mortgage or real estate sales experience preferred.
Benefits & Compensation:
- 401(k)
- Comprehensive benefits suite, including health and dental insurance
- Base salary ranging from $60,000 to $75,000
- Bonus structure based on funded loans
- Annual discretionary bonus
- Potential for Sales Management positions as we scale.