What are the responsibilities and job description for the Loan Underwriter position at Fund Your Project?
Company Overview
Fund Your Project partners with entrepreneurs, investors, and operators to provide flexible funding solutions for a wide range of ventures, including commercial real estate, HOA financing, business expansions, and startup initiatives. We pride ourselves on fast, decisive underwriting and a personalized approach to financing. Our mission is simple: remove capital constraints so our clients can focus on building and scaling what matters. By combining responsiveness, transparency, and reliable funding, we help projects of all sizes move forward with confidence.
Fund Your Project is seeking a Loan Underwriter to join our team in Miami, FL. This is a full-time, on-site role focused primarily on commercial loan underwriting, with a strong emphasis on Homeowners Association (HOA) loans.
The ideal candidate is analytical, detail-oriented, and comfortable underwriting non-consumer loan products that require evaluating complex financials, entity-level risk, and property or association-specific factors. You will play a key role in assessing credit risk and supporting efficient deal execution across our commercial and HOA lending platform.
- Underwrite commercial and HOA loan applications, including analysis of entity financial statements and supporting documentation
- Review HOA-specific factors such as budgets, reserve studies, delinquency rates, assessments, and occupancy metrics
- Assess borrower and entity creditworthiness, risk profile, and loan eligibility
- Prepare clear underwriting summaries and credit recommendations
- Verify financial data, including income, assets, liabilities, and cash flow
- Collaborate with brokers and internal teams to ensure timely, compliant loan decisions
- Maintain accurate documentation and adherence to internal policies and regulatory standards
- Support a high-quality borrower experience through clear and professional communication
- Experience underwriting commercial loans, HOA loans, or other non-owner-occupied real estate financing
- Strong analytical skills with the ability to evaluate financial statements and risk factors
- Solid understanding of credit analysis, lending structures, and approval processes
- Excellent attention to detail with sound judgment and decision-making ability
- Strong communication and collaboration skills
- Familiarity with financial and underwriting software tools
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field preferred