Underwriting Manager

Posted 17 Days Ago
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Bucharest
Senior level
Financial Services • Web3
The Role
The Underwriting Manager at MetaWealth oversees underwriting quality and risk mitigation for real estate investments. Responsibilities include developing underwriting guidelines, conducting financial analysis, leading discussions with investors, and ensuring regulatory compliance. The role aims to enhance underwriting processes while adapting to new asset classes.
Summary Generated by Built In

MetaWealth is an investment platform, that tokenizes real estate assets through blockchain technology, transforming physical properties into digital tokens representing ownership stakes. This approach lowers the entry threshold for investors and enhances transparency, security, and efficiency by leveraging smart contracts and decentralized finance (DeFi) mechanisms. All of the assets are managed by our in-house asset management team providing passive investments for our customers. Ultimately, MetaWealth resolves all the traditional real estate investing challenges current faced.

At MetaWealth, we are passionate about empowering retail investors to take control of their financial future. We believe that everyone should have access to investment opportunities that can help them grow their wealth and generate passive income, regardless of their investment experience or the amount of capital they have to invest.

The Underwriting Manager will play a pivotal role in ensuring deal quality, risk mitigation, and institutional investment standards, with a primary focus on off-plan residential real estate while also expanding into other real estate asset classes and alternative investment sectors such as renewables. As part of a fast-growing, dynamic team that closed deals in four countries last year and has ambitious plans for further growth, this role demands a self-starter with a proven track record of improving underwriting processes and risk frameworks. The ideal candidate will have experience in institutional or private equity underwriting, with the ability to structure bankable deals that meet both investor expectations and lender requirements.

Responsibilities

  • Underwriting & Financial Analysis
  •  Develop and implement underwriting guidelines for off-plan residential investments and emerging asset classes such as renewables.
  • Conduct financial modelling, stress testing, and scenario analysis for investment opportunities.
  • Evaluate return metrics (IRR, NPV, ROI), financing structures, and market risks across multiple asset types.
  • Work closely with the Market Research Manager to integrate market trends, pre-construction demand analysis, and regulatory factors into underwriting decisions.
  • Deal Structuring & Risk Mitigation
  • Assess developer risk, pre-construction financing structures, and payment security mechanisms (e.g., escrow accounts, insurance-backed guarantees).
  • Lead risk assessment and mitigation strategies for diverse asset classes, ensuring deals remain bankable and institutionally viable.
  • Collaborate with lenders, investors, and financial institutions to optimize financing structures.
  • ️ Investor & Lender Relations
  • Lead underwriting discussions with institutional investors, banks, and financing partners.
  • Prepare and present underwriting reports, risk analyses, and investment memos.
  • Provide data-backed insights to support investment decisions and enhance investor confidence.
  • ️⃣Compliance & Process Optimization
  • Work with the Compliance Officer and Legal Team to ensure adherence to regulatory requirements in multiple markets.
  • Continuously refine underwriting processes, incorporating automation and advanced analytics to improve efficiency.
  • Establish best practices for underwriting across new asset classes, leveraging industry insights and institutional investment standards.

Qualifications

  • 5+ years of experience in underwriting, real estate finance, private equity, or investment banking.
  • Expertise in financial modelling, risk assessment, and institutional-grade underwriting standards.
  • Experience with off-plan residential developments preferred, but strong backgrounds in institutional investment underwriting or private equity will also be considered.
  • Exposure to alternative asset classes (e.g., renewables, sports teams, commercial real estate) is a plus.
  • Strong ability to optimize underwriting processes and improve risk management frameworks.
  • Excellent communication and presentation skills, capable of leading discussions with institutional investors, lenders, and internal stakeholders.
  • Institutional or private equity underwriting experience is highly valuable—even if not specifically in off-plan residential, as training can be provided.
  • Strong analytical mindset with the ability to assess complex financial structures and risk models.
  • Process-driven professional who can implement scalable underwriting improvements in a fast-growing environment.
  • Self-starter with an ability to adapt and thrive in a rapidly expanding international investment platform.
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The Company
Bucharest
31 Employees
On-site Workplace
Year Founded: 2022

What We Do

MetaWealth™ is a Web3 platform that empowers people to own their financial future. We bring the investing process of the wealthy and rich to the market mass. Offering them opportunities that were once far fetched - for as low as $100.

MetaWealth™ tokenizes real-estate, a revolutionary process that transforms the traditional real-estate investing model by leveraging blockchain technology to create a more transparent, efficient, and secure investment process. Traditionally, investing in real estate has been a complex and expensive process, requiring significant capital and extensive legal paperwork. Real estate tokenization streamlines this process by allowing fractional ownership of real estate assets through the issuance of tokens that represent a portion of the property's value.

With MetaWealth™, sophisticated investors will benefit from high quality assets without the diligence, asset management and transaction headaches. Overall, real estate tokenization will democratize real estate investment and create a more efficient and transparent market, revolutionizing the oldest market in the world.

The MetaWealth™ Real Estate Team (50 years of combined RE experience) targets assets with the best risk-adjusted returns, vetting them with tried and tested acquisition frameworks, rigorous investment criteria and due diligence processes (including risk assessment management). The investment strategy focuses on passive income and asset appreciation.

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