Underwriting Manager, Residential Transition Lending
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Job Description
Underwriting Manager leading a high-performing team in residential transition lending at Tier One Funding. Responsible for credit quality, compliance, and operational excellence in underwriting, ensuring optimal borrower experience.
Responsibilities:
- 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
Requirements:
- 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
Benefits:
- Competitive cash salary (commensurate with experience)
- Performance-based incentive opportunity
- Competitive and comprehensive health benefits
- Remote flexibility
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