Underwriting Manager, Residential Transition Lending

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🕒 May 14

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Tier One Funding

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2025

🏠 Real Estate

💸 Finance

Real Estate • Finance

Tier One Funding is a private real-estate lending company that provides fast, short-term financing for professional property investors. They specialize in fix-and-flip loans, with streamlined borrower approvals (entity approval in as little as 24 hours), rapid loan closings (as fast as 5 days), and quick construction draw reimbursements (as fast as 3 days). Their processes minimize documentation and require exterior appraisals on purchases to speed closings; they also plan to offer rental property and bridge loans.

📋 Description

• 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