Careers – Commercial Real Estate Loan Underwriter

The Opportunity:

Wilshire seeks experienced multifamily and commercial real estate loan underwriters who are able to compile, analyze, underwrite and make credit recommendations on loan requests secured by multifamily/apartments and commercial real estate.

Key Responsibilities:

Duties and Responsibilities include, but are not limited to, the following:

  • Underwrite multifamily and commercial real estate loan opportunities.
  • Analyze loan files for accuracy and completeness.
  • Analyze and draw conclusions from financial statements, tax returns and additional financial information to determine borrower/guarantor strength.
  • Review historical property performance; including, income, operating expenses and cash flows.
  • Analyze projections and pro forma financial information make informed decisions about future loan performance and the viability of loan repayment.
  • Research and review applicable industry and market trends.
  • Underwrite appraisals and other valuation information to determine the value of the collateral securing the loan.
  • Coordinate, review and assess impacts to the loan and the collateral from third party reports.
  • Communicate and collaborate with loan officers and analysts on findings, needs, conditions, recommendations and conclusions which arise through the underwriting process.
  • Prepare credit recommendations for loan approval.
  • Assist with the preparation of loan documents and managing loan closings; including, reviewing documents for accuracy and completeness and coordinating with settlement agents for the loan closing.
  • Assist with the development and refinement of underwriting and pricing models.
  • Assist with regulatory compliance.
  • Participate in portfolio management and other company matters regarding portfolio and asset performance.

Professional Experience & Qualifications:

  • Minimum of five (5) years of experience as an underwriter at a financial institution or equivalent analyzing and closing real estate secured loans against multiple types of commercial real estate and income property; including, multifamily, office, retail, mixed use, industrial, warehouse, and other income property.
  • Experience in reviewing and analyzing third party reports, including appraisals, environmental, property condition reports, and other reports.
  • Experience managing loan closings.
  • Ability to work on multiple transactions simultaneously and collaborative effectively with other team members.
  • Ability to work quickly and efficiently to meet closing times.
  • Excellent administration, project management and follow-up skills.
  • Strong analytical skills with advanced proficiency in Excel and Word.
  • Strong, clear and concise written and oral communication skills.
  • Ability to exercise good judgment and solve problems independently.
  • Bachelor’s degree is required.


  • Base salary ($90,000 to $110,000 per year)
  • Additional Bonuses
  • Company Benefits


  • Orange County, CA


For immediate consideration:

  • Online Resume Submission:
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  • Email:
  • Mail:
    Wilshire Finance Partners
    25950 Acero, Suite 345
    Mission Viejo, California 92691
    Attention: Recruiting
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