Setpoint

Collateral Review Associate (RTL) Location: - Salt Lake City, Utah - Park City, Utah Work Arrangement: Hybrid (Expected to work in the Salt Lake City office two days per week—Tuesdays and Thursdays. The role may also require working from the Park City office as needed.) Employment Type: Full-time About the role Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical infrastructure for relationships between the world’s largest banks, credit funds and capital markets counterparties. We’re building trust in this system of credit. Setpoint is looking for a Collateral Review Associate (RTL) to join our team! The Collateral Review Associate is part of our in-house due diligence team. This role is responsible for reviewing and validating loan package documentation and individual materials required by lenders to loan money related to single-family homes or multi-family properties to ensure accuracy, compliance, and completeness. They will collaborate with internal and external stakeholders and welcome the dynamic environment that comes with a fast-growing company. Who will love this job - An organizational wizard: You are organized and have exceptional attention to detail. - A great communicator: You possess excellent written and verbal communication skills. - A multi-tasker: You can manage multiple priorities and execute them effectively within their deadlines. - A problem-solver: You can quickly get to expert status in new areas, understand what’s most important, and solve problems. - A process driver: You can pick up complex systems and design repeatable solutions. What you’ll do - Conduct reviews of and validate loan package documentation and materials related to purchasing of property, documents include but are not limited to: credit, background, appraisal, title, HUD-1, flood cert, mortgage, note, guaranty, repair budgets, and entity documents. - Update internal web applications related to loan package materials and documentation. - Validate all materials have been updated in the system of record. - Perform daily operational audits for documentation requirements and data processing. - Provide assistance in communication with internal and external clients with questions or concerns on collateral. You should have - 3+ years’ experience in title, valuations, or mortgage loan underwriting. - Strong computer abilities including intermediate to advanced Excel skills, Microsoft Word, and experience with software interfaces. - Ability to work extended hours based on the flow needs of the client - this includes month end, quarter end, and year end increases in volume. - Knowledge of mortgage and business loans, including underwriting and documentation standards, valuation methodologies and secondary loan markets and servicing and monitoring practices. - Ability to work independently, prioritize, and plan work activities while also being effective in a group setting. - Ability to work in our Salt Lake City or Park City office as needed. About Setpoint Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint’s technology makes warehouse transactions instant and error free. In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder’s 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays). Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws

Manage the accuracy of capital applications, parse legal agreements for product development, and coordinate client onboarding processes while resolving discrepancies and representing customer interests in internal communications.

Title: Compliance Lead Location: Austin or Salt Lake City (Hybrid) Job Description: About the role Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical infrastructure for relationships between the world’s largest banks, credit funds and capital markets counterparties. We’re building trust in this system of credit. inTENT provides third-party review (TPR) and diligence services that sit at the heart of residential lending transactions. We are looking for a Compliance Lead to ensure the accuracy, consistency, and regulatory soundness of our loan review operations. This role is critical to maintaining the integrity of our compliance function and the trust our clients place in us. This position reports directly to the inTENT Chief Operating Officer (COO). Who will love this job - A compliance authority — you have deep, current knowledge of federal, state, and local residential lending laws and can apply them confidently. - A quality champion — you hold yourself and others to a high standard and take pride in zero-defect work. - A teacher and coach — you enjoy training others, explaining complex regulatory concepts clearly, and driving continuous improvement. - A problem-solver — clients bring you their hardest compliance questions and you find the right answers. - A systems thinker — you understand how tools like ComplianceEase fit into a broader QC workflow and know how to get the most out of them. What you’ll do - Perform quality control reviews of the compliance portion of loans reviewed by inTENT staff, ensuring accuracy and regulatory adherence. - Track, compile, and report QC and deficiency results to the COO and relevant stakeholders on a regular basis. - Design and deliver compliance training programs, including onboarding for new employees, updates driven by regulatory changes, and corrective action training. - Conduct credit and compliance loan reviews as needed. - Serve as the primary point of contact for client compliance questions, investigating and resolving issues in a timely and professional manner. - Calibrate and maintain the ComplianceEase system to ensure consistent and accurate compliance findings. You should have - 5+ years of experience in residential federal, state, and local loan compliance. - 5+ years of experience in TPR-related loan review. - Thorough knowledge of applicable federal lending laws and regulations, including: - TRID (TILA-RESPA Integrated Disclosure Rule) — Loan Estimate and Closing Disclosure requirements - RESPA (Real Estate Settlement Procedures Act) — settlement service disclosures, kickback prohibitions, and escrow rules - HMDA (Home Mortgage Disclosure Act) — data collection, reporting, and fair lending analysis - ECOA (Equal Credit Opportunity Act) — anti-discrimination requirements in credit decisions and adverse action notices - ATR/QM (Ability-to-Repay / Qualified Mortgage Rule) — underwriting standards and safe harbor requirements under Dodd-Frank - State Predatory Lending Laws — including high-cost loan thresholds, prepayment penalty restrictions, and anti-flipping provisions across applicable jurisdictions - Strong knowledge of Rating Agency requirements (Moody's, DBRS/Morningstar, Kroll, Fitch) as they apply to residential loan securitization and TPR standards. - Strong knowledge of GSE and agency underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and USDA. - Expert-level proficiency with ComplianceEase, including system calibration and audit trail management. - Strong written and verbal communication skills, with the ability to explain regulatory requirements clearly to staff and clients alike. - Preferred: CMCP (Certified Mortgage Compliance Professional) or CRCM (Certified Regulatory Compliance Manager) designation. About inTent inTENT is a leading provider of third-party review and diligence services for the residential lending industry. As part of the Setpoint family of companies, inTENT combines deep compliance expertise with cutting-edge technology to deliver faster, more accurate loan review outcomes for lenders, servicers, and capital markets participants. About Setpoint Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint’s technology makes warehouse transactions instant and error free. In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder’s 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays). inTENT and Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Title: Capital Solutions Manager (Data OS, Insight OS) Location: Austin or New York (Hybrid) Job Description: About the role Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical operational infrastructure for relationships between the world’s largest banks, credit funds and capital markets counterparties. We’re building trust in this system of credit. We’re looking for a Capital Solutions Manager to join our team and serve as the bridge between our clients and our engineering organization. You’ll take ownership of live client portfolios across Data OS and Insight OS, our data management and analytics platforms. This isn’t a back-office analytics role. You’ll be client-facing from day one, owning deal relationships, translating complex structured finance requirements into engineering specs, and ensuring that every dashboard, data pipeline, and export meets institutional-grade standards. This is an opportunity to be an early owner of a fast-growing product lines (Data OS and Insight OS) at a fast-growing platform. You’ll be a co-owner of creating tech solutions for lenders and borrowers in asset backed credit. We have a strong ethos of promoting from within, and you'll be given ample opportunities for career development and advancement. Who will love this job - You’re a doer: You own outcomes and set the pace. - You’re a clear communicator: You can work effectively across credit, product, and engineering teams. - You thrive in ambiguity: You can take a problem and run end-to-end without a playbook. - You’re frustrated by the status quo: You’ve seen how much of structured finance still runs on spreadsheets and want to fix it. - You’re hands-on across domains: You can parse a borrowing base certificate and translate it into clear requirements for engineering. - You’re detail-obsessed: You catch data inconsistencies others miss and care deeply about accuracy. - You’re curious: You’re excited about how AI and automation are transforming financial operations. What you’ll do - Own client portfolios end-to-end. Serve as the primary point of contact for assigned clients across Data OS and Insight OS — managing onboarding, success, and supporting growth. - Translate our customer’s structured finance needs for Engineering. Act as the bridge between our clients and our product/engineering organization for Data OS and Insight OS. Define what needs to be built, flag what may be custom work, write the specs, review the output, and validate that dashboards and data pipelines match analytical intent. - Own the accuracy of Setpoint’s data layer across your assigned portfolio. Lead data quality assessments on incoming loan tapes and client deliverables — identifying anomalies, missing fields, and population gaps before they reach production. - Supervise offshore implementation resources. Directly manage a team of offshore analysts supporting data ingestion, validation, and reporting workflows. Set priorities, review work product, and ensure delivery standards are met. - Leverage AI-powered workflows and internal tooling. Use and help refine our internal AI-assisted deal workflows — from automated data quality checks to metric design and schema mapping — to accelerate delivery and improve consistency across client portfolios. - Make us better. Contribute to product priorities, onboarding playbooks, sector templates, and process documentation that make our delivery engine repeatable as the portfolio grows. You should have - 3–6 years in private credit, asset-backed lending, or structured finance. You’ve worked with loan tapes, servicer reports, borrowing base certificates, or compliance packages — not just in theory, but hands-on. Experience across multiple asset classes (consumer, auto, fund finance, CRE) is a strong plus. - Demonstrated client management experience. You’ve owned client relationships — running calls, managing expectations, resolving issues — in a professional services, advisory, or platform context. You’re comfortable being the face of the company to institutional investors and lenders. - Strong analytical and data skills. Expert-level Excel is baseline. Comfort with SQL, Python, data pipelines, or business intelligence tools (Metabase, Tableau, etc.) is highly valued. You don’t need to write production code, but you should be able to read a data schema, trace a metric back to its source field, and spot when something doesn’t add up. - Experience writing technical specifications or engineering handoff documents. You’ve translated business requirements into structured artifacts — field mappings, data dictionaries, logic definitions, or acceptance criteria — that a technical team can execute against. - Comfort with AI/LLM tooling and automation. You don’t need to be an AI engineer, but you should be excited about using AI-assisted workflows to accelerate data analysis, quality checks, and specification writing. Familiarity with prompt engineering or AI copilot tools is a plus. - Team supervision experience. You’ve managed or coordinated the work of junior analysts, offshore teams, or cross-functional workstreams. You can set priorities, review deliverables, and maintain quality without micromanaging. - Ability to operate independently in ambiguous environments. You can take a vague client request, figure out what’s actually needed, scope the work, and deliver — without someone laying out every step. You handle tight timelines and competing priorities without losing quality. About Setpoint: Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint’s technology makes warehouse transactions instant and error free. In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder’s 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays). Compensation: $140,000 - $160,000 dependent on multiple factors, which may include the successful candidate's skills, experience and other qualifications. Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Title: Analytics Engineer Location: Austin or New York (Hybrid) Job Description: About the role Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical infrastructure for relationships between the world’s largest banks, credit funds and capital markets counterparties. We’re building trust in this system of credit. We are looking for an Analytics Engineer to join our team supporting our external data products. In this position, you will be reporting into our Head of Analytics and partnering closely with engineering, product, and implementation teams to build and maintain the data infrastructure that powers our products. This is a hands-on role where you’ll design and maintain data pipelines, create dashboards, and work directly with stakeholders to deliver insights that drive business outcomes. Who will love this job - A data product builder: You love creating robust, scalable analytics solutions that drive decision-making. - A client partner: You enjoy working directly with clients (asset managers, business owners, technical stakeholders) to understand their needs and deliver solutions that work in the real world. - A technical problem solver: You’re fluent in Python, SQL, and DBT, and know how to integrate them into a seamless analytics workflow. - A team collaborator: You thrive in cross-functional work with engineering, product, and implementation teams. - A strategic thinker: You look beyond the immediate task to anticipate analytics capabilities needed for future growth. What you’ll do - Own end-to-end implementations for the data products for our external customers. - Build and maintain scalable data pipelines and analytics models using Python, DBT, and SQL. - Create and manage dashboards in our external and internal analytics products so stakeholders have actionable insights. - Prototype new data products to add to our product suite. - Collaborate with engineering to drive the roadmap for the data products. - Use GitHub-based workflows to maintain clean, version-controlled analytics code. - Act as a subject matter expert for analytics best practices. You should have - 5+ years of experience in analytics engineering, data engineering, or a similar technical role. - Proven expertise DBT, SQL, and GitHub-based development. Python is a plus. - Strong experience designing, implementing, and maintaining data pipelines and models. - Experience in a customer-facing role, working with technical and business stakeholders. - Experience working with asset managers, business owners, or financial services data sets is a plus. - Excellent problem-solving, communication, and collaboration skills. About Setpoint Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint’s technology makes warehouse transactions instant and error free. In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder’s 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays). Compensation: $150,000 - $170,000 OTE dependent on multiple factors, which may include the candidate's skills, experience, location, and other qualifications. Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

About the role Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical operational infrastructure for relationships between the world’s largest banks, credit funds and capital markets counterparties. We’re building trust in this system of credit. Setpoint is looking for an experienced structured credit investor to join our team! This is an opportunity to have a big impact on a growing asset manager and technology company. You will drive over $1B of capital deployment and asset management across multiple investment vehicles while reporting to our Managing Director and working closely with our product and capital teams. The ideal candidate has experience in asset backed structured credit and a strong interest in proptech and real estate. They should enjoy collaboration in a team-first environment and welcome the dynamics that come with a fast-growing company. Who will love this job An owner – you’re excited to join a company during a period of rapid growth, wear many hats, feel ownership of the broader mission, and meaningfully contribute to the development of the Setpoint Capital platform A deal maker – you enjoy building and owning relationships and can find win-win solutions that maximize long term value A great communicator – you possess the excellent written and verbal communication skills and attention to detail A multi-tasker – you can manage multiple priorities and set frameworks for how to execute them effectively within their deadlines A problem-solver with excellent judgment – you can manage various borrower, investor, and technical concerns within an evolving market and regulatory environment What you’ll do Sourcing - Meet and develop relationships with innovative real estate and proptech companies, including identifying new verticals with demand for our debt capital solutions Underwriting – Lead investment diligence on potential credit investments, write investment memos, and underwrite all aspects of a deal including company credit risk, borrower business models, and underlying collateral Transaction Execution - Work closely with in-house and external counsel to document and execute facilities, including detailed involvement in legal docs and driving transactions to close Portfolio Management – Maintain strong relationships with borrowers and actively manage risk in the portfolio Investor Management - Support investor facing activities including fundraising and investor relations You should have 7-10 years of investment experience Experience working in structured credit, opportunistic credit, real estate, proptech, and/or asset backed lending is preferred Ability to prioritize appropriately, and meet deadlines in a high-pressure environment, prioritize commercial terms Flexibility, positivity, and team oriented About Setpoint Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint’s technology makes warehouse transactions instant and error free. In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder’s 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital. For all our employees, we offer a full slate of benefits from competitive salaries, stock options, medical, dental and vision coverage, 401k, disability coverage, and flexible vacation. Setpoint has offices in Austin, New York, and Park City, UT and we’re currently hiring remote team members for specific roles. Compensation: $150,000 - $250,000 dependent on multiple factors, which may include the successful candidate's skills, experience and other qualifications.