Underwriting Manager
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.
Tier One Funding is an Equal Opportunity Employer.
Apply To This Job
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.
Tier One Funding is an Equal Opportunity Employer.
Apply To This Job