About Tier One Funding
Tier One Funding’s mission is to help small business owners solve America’s housing problem. We provide the capital and partnership that enable fix-and-flip entrepreneurs to transform properties faster and with greater confidence. Our edge is simple: a customer-first focus, speed and disciplined execution. We believe teamwork fuels innovation, simplicity drives clarity and discipline builds trust. Backed by world-class financial institutions and led by a team with decades of experience in lending and high-growth ventures, Tier One combines institutional strength with entrepreneurial agility. When you join Tier One, you join a humble, clever, and collaborative team dedicated to building something remarkable — a company that helps our customers succeed while they transform houses into homes.
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.
