This is an opportunity to help build a lending platform early, with the ability to influence credit standards and grow with the business while leveraging internal deal flow, shared resources, and long-term expansion plans.
Responsibilities- Underwrite DSCR, bridge, fix-and-flip, ground-up construction, and blanket loans across the affiliated lending platform
- Evaluate sponsor strength, liquidity, experience, and track record
- Analyze project budgets, construction timelines, and cost-to-complete risk
- Review appraisals, feasibility studies, rent rolls, and market fundamentals
- Assess exit strategy viability and market liquidity
- Structure transactions to balance risk and growth
- Prepare clear written credit memos and present recommendations in committee
- Partner with originations to improve deal quality without compromising standards
- Identify portfolio-level risk patterns and provide insight to leadership
- Manage the full underwriting lifecycle from initial review through credit approval and closing
- Coordinate with originations, processing, and closing teams on conditions and documentation
- Maintain accurate credit files and records in the loan origination system
- Contribute to guideline and policy refinement as the platform scales
Requirements- 3-7 years underwriting investment property or business-purpose real estate loans
- Direct experience with ground-up construction risk, blanket and portfolio loans, transitional real estate, and DSCR underwriting
- Working knowledge of LTC vs. LTV tradeoffs, construction draw risk, cost overruns and contingency analysis, debt yield, DSCR, and exit risk
- Demonstrated ability to evaluate sponsors beyond credit score
- Experience defending or presenting credit decisions in committee or leadership forums
- Proficiency with loan origination and underwriting platforms and Excel-based credit modeling
- Ability to manage a pipeline and work independently across multiple concurrent deals
- Experience with small-balance commercial, multifamily, or mixed-use assets a plus
- Familiarity with institutional capital requirements or fund-level reporting a plus
- Experience mentoring junior underwriters or analysts a plus
