Senior Credit Manager

We are looking for a Sr. Credit Manager to join our team! As a Senior Business Purpose Credit Manager, you are the Credit expert responsible for ensuring the proposed loan meets or exceeds our company guidelines & requirements. The Underwriter’s loan decision must adhere to our investor requirements and shall always be made based on the collective interest of our company, secondary market investor, and borrower. The position requires ethical, highly detail-oriented, analytical, organized, and experienced underwriting professionals with the desire to go the “extra mile” and seeking to grow with our company. This is a fantastic opportunity to be a key member of our team and to play an important role in the development of our systems, process, and policies at this very important stage of our company’s development.

What You’ll Do:

• Completely Underwrite Business Purpose Rental & Short Term (Fix/Flip, Bridge, New Construction) mortgage loans in compliance with company credit guidelines & regulatory requirements.
• Review all loan terms, LTV/LTC, DSCR, assets, reserves, collateral, title, and insurance meet program guidelines.
• Review loan files & documentation for completeness, identify any missing documentation, and generate a condition list for all parties to the loan file: Borrower, Loan Processor, Business Partner, and Sales Reps.
• Collaborate with the Processor and Sales Rep. to address any credit, collateral, or qualifying challenges in a proactive & positive manner.
• Ensure all loan level data for the loan file is entered into the loan origination system and company pipeline management database timely & accurately.
• On an on-going basis, review and clear any conditions submitted for Credit review, and be diligent & responsible for reviewing and owning all loan file details prior to submission to Pre-Closing Audit.
• Collaborate with the Loan Processor, QC, and Loan Closer to ensure timely & complete hand-off of loan files deemed Clear-to-Close.
• Manage pipeline and prioritize to ensure loans close on time with a high degree of accuracy in a very tight deadline-oriented environment.
• Identify and report any suspected misrepresentation or fraudulent activity occurring on any transaction by providing all documents & supporting details to Credit Management immediately.
• Maintain current knowledge of all loan products and origination requirements by keeping updated of all company policies and procedures as well as federal and state regulatory changes by reviewing all updates and participating in in-house training events.
• Ensure adequacy and quality of the borrower and subject property collateral requirements by:
• Documenting the sources of funds, and reserves in accordance with the guidelines.
• Evaluate the security property by reviewing Collateral reports (Hybrid Valuations /Appraisals), Scope of Work, Project Feasibility reports, Environmental reports, Leases, and Property Insurance requirements.
• Thoroughly Review the Preliminary Title report, and other closing requirements.
• Approve all loans in accordance with the company published terms and conditions; provide a counter-offer, if the terms does do not comply with the company’s lending standards and/or guidelines; or if necessary prepare an adverse action/statement of denial.
• Ensure accuracy of Pricing, Loan Terms, Application details, Loan Approval terms, & conditions, loan disclosures and other required documentation.
• Review the borrower's entity documents to determine who are the members of the entity and who is authorized to sign the mortgage loan documents.

What We’re Looking For:

• Education: Bachelor’s Degree or relevant experience
• Min. of 3-5 years mortgage underwriting experience with comprehensive knowledge of lending regulations, plus experience at analyzing for acceptance credit, collateral, title, and insurance.
• Experience underwriting DSCR Rental, and Fix/Flip/Bridge/New Construction business purpose loans preferred.
• Proficient with mortgage lending software, and MS Office.
• Excellent communication skills, both written and verbal.
• Good multitasking abilities with outstanding time management skills.
• Excellent customer service skills
• Open to learning new technology systems and a paperless environment.
• Ability to work in a team-oriented environment; and a commitment to providing exceptional customer service.
• Must take initiative and focus on achievement of position & company objectives.
• May work remote or in local office

Why You’ll Love It Here:

At Lend Investors Capital, we believe in taking care of our team. Here’s a sneak peek at the benefits that come with joining us:

• Innovative Environment: Join a forward-thinking company at the forefront of the construction finance industry with access to cutting-edge technology and resources.
• Work Flexibility: Enjoy a flexible work environment where you can balance team leadership with your personal life.
• National Impact: Be part of a nationwide operation that’s shaping the future of construction financing and making a difference for builders, developers, and homeowners across the U.S.
• Health Insurance – We’ve got you covered! Lend Investors Capital pays 100% of your medical insurance premiums to keep you healthy and stress-free, offering a PPO and HSA plans.
• Competitive Compensation – We offer competitive wages that reward your expertise and hard work.
• Paid Time Off – Take time to recharge with 3 weeks of paid time off each year.
• Paid Holidays – Enjoy 10 paid holidays throughout the year so you can spend quality time with family, friends, or doing whatever you love.

We’re here to support you both professionally and personally—because when you thrive, we all thrive.

This job posting highlights the most critical responsibilities and requirements of the job; however, there may be additional duties, responsibilities, and qualifications for this job.

Lend Investors Capital is an Equal Employment Opportunity (EEO) employer and welcomes all qualified applicants. This is a full-time exempt position. The job description contained herein is not intended to be a comprehensive list of the duties and responsibilities of the position, which may change without notice.