[Remote] Head of Credit Underwriting, Home Builder Finance

Note: The job is a remote job and is open to candidates in USA. Urrly is a real estate finance and technology platform focused on unlocking American housing production. The Head of Credit Underwriting, Home Builder Finance will be responsible for building the credit underwriting function, evaluating construction loans, and shaping credit policy to connect underbanked homebuilders to institutional capital.ResponsibilitiesUnderwrite residential construction, spec, pre-sold, and build-to-sell homebuilder financing opportunitiesAnalyze builder financial statements, tax returns, project pro formas, liquidity, leverage, DSCR, net worth, LTC, LTV, interest reserves, contingencies, and global cash flowReview draw schedules, cost-to-complete analysis, lien waivers, title insurance, inspections, appraisals, absorption assumptions, comparable sales, lot pricing, and market demandPrepare clear credit memos and present recommendations to investment committee, capital partners, and senior leadershipPush back constructively on sourcing when a deal does not hold up to credit scrutiny, while still building productive relationships with builder-facing teamsHelp define underwriting policy, scoring frameworks, governance standards, and scalable workflows for a new credit line of businessPartner with product and operations teams on loan origination systems, data tooling, and AI-assisted underwriting workflowsSupport capital partner confidence by making the risk framework credible, repeatable, and transparentSkills7+ years of experience in construction lending, homebuilder finance, residential real estate credit, or closely related specialty financeDirect experience underwriting construction loans or credit facilities for residential builders or developers, including single-family, townhome, or small-to-mid-scale multifamily projectsStrong command of construction loan mechanics, including draw schedules, lien waivers, title, inspections, cost-to-complete analysis, interest reserves, LTC/LTV, contingencies, and project feasibilityStrong financial analysis skills across builder financials, tax returns, pro formas, liquidity, leverage, DSCR, net worth, and global cash flowAbility to evaluate appraisals, collateral assumptions, local market absorption, comparable sales, lot pricing, and execution riskExcellent written credit communication, including clear, concise, persuasive credit memosComfort operating in a build-stage environment with ambiguity, limited existing process, and a need for hands-on ownershipExperience at a bank, credit union, private debt fund, non-bank lender, CDFI, or specialty finance platform with dedicated construction or homebuilder finance exposureExperience building or improving credit policies, underwriting frameworks, loan origination workflows, or portfolio governanceExposure to capital partners, investment committee presentations, or institutional credit decisioningExperience with loan origination systems, data platforms, AI-assisted underwriting tools, or credit automationTrack record managing or underwriting a construction loan portfolio of $50M+ in commitmentsFamiliarity with HUD/FHA construction programs, GSE guidelines, state housing finance agency programs, RESPA, TILA, Reg B/ECOA, or state-specific construction lending rulesCMB, CFA, MBA, MS Finance, or other relevant designationBenefitsPerformance bonusEquity participationCompany-paid medical, vision, dental, and wellness benefits for employees and dependentsFlexible vacation and sick daysPaid parental leaveCompany OverviewUrrly is an AI-based platform that provides sales leadership and business development solutions to early-stage and seed-stage startups. It was founded in 2022, and is headquartered in Phoenix, Arizona, USA, with a workforce of 2-10 employees. Its website is https://urrly.com.