The Head of Underwriting & Credit Operations (RTL/DSCR) provides strategic and operational leadership for all underwriting and credit functions supporting the firm’s Rental Term Loan and DSCR product lines. This role is responsible for ensuring consistent, high-quality credit decisions, optimizing underwriting processes, and maintaining compliance with internal policies, investor guidelines, and regulatory standards. The position partners closely with Sales, Risk, and Operations to support growth while effectively managing portfolio risk and upholding the organization’s commitment to excellence and integrity.
Key Responsibilities
- Lead and oversee all underwriting and credit operations for RTL and DSCR loan products, ensuring timely, accurate, and well-reasoned credit decisions
- Develop, implement, and continuously refine underwriting policies, procedures, and best practices
- Manage, mentor, and develop underwriting and credit teams, fostering accountability, performance, and professional growth
- Partner with Sales, Risk, and Operations to support production goals and resolve complex or high-risk credit scenarios
- Monitor portfolio performance, identify trends, and recommend strategies to mitigate risk and enhance profitability
- Ensure compliance with internal credit policies, investor requirements, and applicable regulatory standards
- Leverage data analytics and underwriting technology to improve efficiency, scalability, and decision quality
- Prepare and present regular reporting on underwriting performance, risk metrics, and operational improvements to executive leadership
Qualifications
- Bachelor’s degree in Finance, Business, Economics, or a related field (Master’s degree preferred)
- 10+ years of experience in mortgage or commercial real estate underwriting, including at least 5 years in a leadership role
- Deep expertise in RTL and DSCR loan products, credit analysis, and risk management
- Demonstrated success leading underwriting teams and driving operational excellence at scale
- Strong analytical, decision-making, and problem-solving capabilities
- Experience with underwriting technology platforms and data-driven decision tools
- Excellent leadership, communication, and stakeholder management skills
To apply for this job email your details to resumes@huffmanassociates.com