RTL Underwriter

Our client is one of the largest business purpose lenders in the United States, specializing in providing financing solutions to real estate developers who buy, renovate, construct, and sell residential investment properties. As part of a larger publicly traded real estate investment platform, we focus on supporting developers with innovative capital solutions to help them grow their businesses.

The Underwriter – Express Channel plays a critical role in evaluating and underwriting fix & flip, bridge, and construction loans, with a strong emphasis on asset-level risk assessment and borrower-level credit analysis.

This role is ideal for candidates with deep experience in deal-level underwriting fundamentals, credit analysis, and real estate project evaluation. Success in this position requires the ability to manage multiple transactions in a fast-paced environment while balancing speed, accuracy, and risk mitigation. The Underwriter will also collaborate closely with Sales, Valuations, Construction, and Operations teams to ensure successful deal execution.

Key Responsibilities

• Evaluate borrower credit history and financials to identify potential risks.
• Analyze renovation budgets and verify alignment with market comps and borrower exit strategies.
• Validate borrower experience and track record with investment real estate assets.
• Confirm loan eligibility against company program guidelines and risk thresholds.
• Collaborate with Sales, Valuations, Construction, and Operations to collect and verify due diligence documentation.
• Underwrite rental, fix & flip, bridge, and construction loans, including assessment of collateral, project scope, exit strategy, and market dynamics.
• Provide feedback to Sales regarding loan structure, eligibility, and deal flow optimization.
• Ensure compliance with Genesis Capital’s credit policy, asset-level guidelines, and investor requirements.
• Participate in pipeline meetings and provide underwriting insight to expedite approvals.
• Review and validate title documents, including estoppels, title reports, and indemnities.
• Manage a pipeline of loans in accordance with company SOPs and service level agreements (SLAs).
• Accurately input underwriting data into the loan origination system (LOS) and other platforms.

Qualifications

• Education: Bachelor’s Degree required.
• Minimum 5+ years in commercial real estate banking or private lending (underwriting, credit analysis, or related).
• Direct experience in fix & flip or construction lending is required.
• Knowledge of loan structuring, valuation methodologies, and investor exit strategies.
• Understanding of borrower financials, credit risk, and KYC/AML compliance.
• Proficiency in Excel, PowerPoint, and pipeline management tools.
• Familiarity with residential construction budgets, cost review, and timeline feasibility preferred.
• Strong analytical and decision-making skills.
• High attention to detail and accuracy in underwriting.
• Ability to thrive in a high-volume, deadline-driven environment.
• Effective cross-functional communication and teamwork skills.
• Commitment to balancing risk management with business growth objectives.