About the role

As Underwriting Manager, RTL, you will lead and scale a team of underwriters responsible for evaluating and approving Residential Transition Loans (fix & flip, bridge, and small-balance investor loans). You will own underwriting quality, credit consistency, and team performance, ensuring disciplined, risk-adjusted decisions that support both speed and portfolio performance.

This role blends people leadership, credit expertise, and operational execution. You'll partner cross-functionally with Sales, Capital Markets, Valuations, and Closing to deliver a seamless borrower experience while continuously improving underwriting standards, systems, and processes.

What you'll do

• Lead, coach, and develop a high-performing underwriting team; set clear expectations and performance standards
• Own underwriting quality and credit consistency across RTL originations (fix & flip, bridge, investor loans)
• Oversee loan-level analysis including borrower experience, liquidity, background and credit profile
• Ensure adherence to credit guidelines while exercising sound judgment on exceptions and complex scenarios
• Partner with Sales, Valuations, Closing, and Capital Markets to optimize speed, conversion, and borrower experience
• Monitor portfolio performance, identify risk trends, and recommend guideline or credit policy adjustments
• Drive operational excellence through process improvements, workflow design, and LOS/system enhancements (Decipher)
• Translate investor and warehouse partner feedback into underwriting and process improvements
• Hire, train, and scale the underwriting team as the platform grows nationally
• Maintain the Company's underwriting guidelines, policies, procedures and workplays as well as federal and state regulatory requirements to ensure compliance at all times

Required Qualifications

• 3+ years of underwriting experience in residential transition lending (fix & flip, bridge, DSCR, or investor loans)
• 1+ years of direct people management experience
• Deep expertise in RTL credit: ARV/LTV/LTC, rehab budgets, borrower track record, and exit analysis
• Strong judgment in complex credit scenarios and exception handling
• Proven ability to build and scale underwriting teams in a fast-paced environment
• Experience driving process improvement and implementing underwriting systems/LOS platforms
• Strong analytical and data-driven decision-making skills
• Excellent cross-functional leadership and communication skills
• Bachelor's degree required

Compensation & Benefits

We're building a disciplined, high-performing lending platform with institutional backing and entrepreneurial energy. If you want to grow with a company that values operational excellence and customer experience, we'd love to meet you. We offer:

• Competitive cash salary (commensurate with experience)
• Performance-based incentive opportunity
• Competitive and comprehensive health benefits
• Remote flexibility

At Tier One Funding, we strive to build a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities that will help us to grow, not only as a company, but also as individuals. We are focused on building a diverse and inclusive workforce. If you're excited about this role, but do not meet 100% of the qualifications listed above, we still encourage you to apply.