Underwriting Manager, Residential Transition Lending

Tier One Funding

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.

Posted 5/14/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

underwritingcredit analysisrisk assessmentprocess improvementworkflow designdata analysisexception handlingportfolio performance monitoringcredit policy adjustmentsloan-level analysis

Soft Skills

leadershipcoachingcommunicationjudgmentanalytical skillsteam buildingcross-functional collaborationproblem-solvingorganizational skillsdecision-making