Tier One Funding

• 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

About the role Tier One Funding is hiring a Loan Closing Specialist to support our growth. This role will play an integral role in ensuring that our loan closing policies & procedures are implemented properly. From coordinating loan closing with buyer, seller and third party closing agents, to verifying that every piece of data in our loan documents matches that of our system of record, this position requires you to be a “jack of all trades.” To succeed in this role, you should be driven by delivering an excellent customer experience and be a stickler for details. What you'll do - Prepare loan closing documents: ensure that the correct State loan document templates are chosen along with State specific regulatory closing disclosures; audit the completed doc set for accuracy with loan data in system of record; ensure all underwriting conditions have been signed-off - Ensure we maintain appropriate lien position and lien perfection: prepare the closing protection letter in accordance with company policy; prepare closing instructions which creates the contractual relationship between T1F and the title company providing protection against various forms of fraud and secures our lien position - Review executed loan documents for final compliance with regulatory requirements and accuracy of settlement data: review all loan documents returned from closing agent for completeness and accuracy; reviews estimated HUD1 to confirm closing date and fees - Ensures timely loan closing and that all closing conditions are met: ensure all closing conditions have been satisfied and signed-off; confirm date funds have been disbursed by closing agent to all parties - Confirm funding dates and accurately funds loans: Create loan funding templates for manager review, verify funding amounts and dates with escrow providers. Verify and prepares wire transfer instructions and inputs funding information into the loan system(s) - Other duties as assigned: will be tasked with additional responsibilities and projects from time to time as directed by the Closing Manager Qualifications - Higher Education Degree and/or equivalent experience preferred - Lending origination compliance, real estate, financial services or audit experience preferred but not required - Ability to create and review closing packages - including but not limited to HUD-1, Mortgage or Deed of Trust, Promissory Note, and other final compliance and credit documentation - Proficient in Google Suite required (sheets, docs, slides) - Ability to prioritize workload and manage time - Highly analytical with strong attention to detail - Self-starter with the ability to work with minimal supervision - Ability to adapt quickly to new procedures and systems - Exceptional communication and interpersonal skills - Ability to work as a dependable teammate in a fast paced start-up environment 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.

About the role As an AE, you are tasked with sourcing local real estate investors in T1F’s existing markets. You’ll become an expert in networking, online media, and all of T1F’s services. This role is essentially the B2B lead generator. Here you will be the frontline to each long term relationship for our lending business. At this early stage in T1F’s lifecycle, you’ll have an impact on everything from playbooks to sales tool development to marketing strategy. Strong producers and leaders in this role have a tremendous opportunity for growth within the organization as we scale. Key Responsibilities - Cultivate relationships with real estate investors through referrals, social media, lead generation, and more - Gather borrower application and supporting documents to complete the borrower approval process - Constantly improve T1F’s end-to-end workflow and make recommendations strong team alignment - Actively post and engage with online media, platforms, marketplaces, and blogs - Maintain a working knowledge of local real estate activity and regulations - Work directly with management to package learnings and feedback from investor interaction into actionable feature expansion and new product development - Able to work cross-functionally within T1F’s internal teams About you - Professional experience in real estate and existing relationships with property investors required - Excellent written and verbal communication - Meticulous sales pipeline management - Ability to communicate complex topics in simple succinct terms - Effective time management and task prioritization - Comfortable in unstructured environments - Impeccable organization and attention to detail - Empathic, active listening - Politely persistent - Curious, yet authoritative - Highly computer literate and data-driven - Personal interest in real estate and investing (preferred) 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.

About the role We are seeking a detail oriented and disciplined administrator to support and grow our draw function focused on residential real estate lending. You’ll be a part of a fast-paced environment, interacting closely with Tier One’s accounting/finance team and internal lending ops teams. The ideal candidate thrives in a start-up environment, with the ability to scope and execute projects and tasks independently with high attention to detail. You’ll need to have strong interpersonal and analytical skills. This position is responsible for monitoring and processing construction loan draws from loan origination to the completion of the construction project. Responsibilities include, but are not limited to, reviewing the draw requests, budgets and document verifications, scheduling inspections and maintaining accurate records of all draws. The Draw Administrator works closely with the feasibility analyst, borrower, contractor/vendors and inspector to coordinate draw funding. Other duties as assigned. What you'll do 1. Draw Request Management - Serve as the primary point of contact for borrowers regarding construction holdbacks and draw processes - Monitor and manage the draws@t1f.com inbox, ensuring timely response to all draw requests 2. Third-Party Inspection Coordination - Schedule and coordinate property inspections with approved third-party inspection vendors - Act as liaison between borrowers and inspection companies to ensure timely site visits - Review inspection reports for accuracy, completeness, and alignment with requested draw amounts - Provide feedback to vendors when clarifications or report improvements are required 3. Budget & Documentation Review - Review project budgets, invoices, lien waivers, and supporting documentation to validate draw eligibility - Evaluate inspection findings against submitted documentation to confirm work completion - Analyze remaining loan funds and construction budgets to determine appropriate disbursement amounts - Exercise sound judgment to ensure funds are released in accordance with project progress and loan guidelines 4. Draw Funding & Disbursement - Coordinate with Accounting/Finance to facilitate timely and accurate funding of approved draws - Verify wire instructions, funding amounts, and borrower details prior to disbursement - Ensure all funding transactions comply with internal controls and lending requirements 5. Reporting & System Administration - Maintain accurate and up-to-date records of all draw activity and borrower status - Input and update draw information within internal company systems and servicing platforms - Generate reporting as needed to track construction progress, fund utilization, and draw history 6. Operational & Cross-Functional Support - Support the Controller and Operations team with additional lending, servicing, or administrative projects as needed - Assist with process documentation, workflow improvements, and system updates to enhance efficiency and scalability - Provide reporting and data analysis support related to loans - Step in to support adjacent operational functions during periods of high volume or team growth Required Qualifications - Experience with budgeting, Construction Management and/or Real Estate Development. - 1-2 years of experience as a Draw Administrator preferred. - Prior banking and/or lending support experience preferred. - Bachelor’s degree or 4 years of relevant job experience preferred. - Strong quantitative and analytical skills; proficiency in Excel - Excellent written and verbal communication skills - Detail-oriented with strong organizational skills and the ability to manage multiple priorities. Key Competencies - Adaptability & Systems Agility – Quickly learns and implements new procedures, platforms, and operational processes in a dynamic environment. - Time Management & Prioritization – Effectively manages competing deadlines to ensure draw reviews, approvals, and fundings are completed accurately and on schedule. - Communication & Customer Service Excellence – Demonstrates strong written and verbal communication skills with a proactive, service-oriented approach when working with borrowers, vendors, and internal teams. - Integrity & Attention to Detail – Exercises high ethical standards, discretion, and precision when reviewing financial documentation and approving fund disbursements. 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.

About the role T1F is building its team of Loan Underwriters to vet and approve investors seeking financing and the loans we intend to extend to them. You will be part of a collaborative team supporting investors throughout the application, underwriting and loan funding process. You will assess the individual and overall risk of a potential borrower, property and loan and are ultimately responsible for approving or denying mortgage loans. The primary function of an Underwriter is to perform a detailed credit underwriting to ensure that our business purpose loans meet credit policy and regulatory requirements. You’ll work with members of every team to help move loans through the origination process. Strong producers and leaders in this role have tremendous opportunity for growth into management or other teams within the organization as we scale. What you'll do - Underwrite Business Purpose mortgage loans in compliance with credit guidelines and requirements - Review loan files for completeness and creditworthiness - Collaborate with the Loan Expert and Closing team to identify any missing loan documentation and generate credit conditions lists for applicants - Train and mentor new Loan Underwriters as we expand - Keep all documents organized and itemized in internal drives and proprietary systems - Manage high deal flow pipeline and prioritize work to ensure loans close on time and with a high degree of accuracy - Identify, report and escalate any suspected fraudulent activity to the appropriate management as necessary - Stay up to date with the most current company underwriting guidelines, policies, procedures and workplays as well as federal and state regulatory requirements to ensure compliance at all times - Review and take ownership of all loan files and borrower details prior to approving loans for closing and submission to our Closing team Qualifications - Professional experience in advanced quality control - At least 1 year experience in the mortgage industry as a Loan Processor, Underwriter, Transaction Coordinator, or Analyst - Bachelor’s degree - Disciplined, extreme attention to detail, and obsessive about quality control - Ability to make tough decisions focusing on the creditworthiness of borrowers, properties and loans - Excellent written and verbal communication skills - Strong people skills; Ability to convey needs and build rapport with borrowers and 3rd party vendors - Empathic, active listening - Meticulous pipeline management - Effective time management and task prioritization - Comfortable in unstructured environments - Politely persistent - Technologically literate - Ability to adapt to change quickly - Love critical thinking and problem solving - Must work well in a (remote) team environment 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.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description T1F is building its team of Loan Underwriters to vet and approve investors seeking financing and the loans we intend to extend to them. You will be part of a collaborative team supporting investors throughout the application, underwriting and loan funding process. You will assess the individual and overall risk of a potential borrower, property and loan and are ultimately responsible for approving or denying mortgage loans. The primary function of an Underwriter is to perform a detailed credit underwriting to ensure that our business purpose loans meet credit policy and regulatory requirements. Strong producers and leaders in this role have tremendous opportunity for growth into management or other teams within the organization as we scale. - Underwrite Business Purpose mortgage loans in compliance with credit guidelines and requirements - Review loan files for completeness and creditworthiness - Collaborate with the Loan Expert and Closing team to identify any missing loan documentation and generate credit conditions lists for applicants - Train and mentor new Loan Underwriters as we expand - Keep all documents organized and itemized in internal drives and proprietary systems - Manage high deal flow pipeline and prioritize work to ensure loans close on time and with a high degree of accuracy - Identify, report and escalate any suspected fraudulent activity to the appropriate management as necessary - Stay up to date with the most current company underwriting guidelines, policies, procedures and workplays as well as federal and state regulatory requirements to ensure compliance at all times - Review and take ownership of all loan files and borrower details prior to approving loans for closing and submission to our Closing team Qualifications - Professional experience in advanced quality control - At least 1 year experience in the mortgage industry as a Loan Processor, Underwriter, Transaction Coordinator, or Analyst - Bachelor’s degree - Disciplined, extreme attention to detail, and obsessive about quality control - Ability to make tough decisions focusing on the creditworthiness of borrowers, properties and loans - Excellent written and verbal communication skills - Strong people skills; Ability to convey needs and build rapport with borrowers and 3rd party vendors - Empathic, active listening - Meticulous pipeline management - Effective time management and task prioritization - Comfortable in unstructured environments - Politely persistent - Technologically literate - Ability to adapt to change quickly - Love critical thinking and problem solving - Must work well in a (remote) team environment Benefits - Competitive cash salary (commensurate with experience) - Performance-based incentive opportunity - Competitive and comprehensive health benefits - Remote flexibility

• Cultivate relationships with real estate investors through referrals, social media, lead generation, and more • Gather borrower application and supporting documents to complete the borrower approval process • Constantly improve T1F’s end-to-end workflow and make recommendations strong team alignment • Actively post and engage with online media, platforms, marketplaces, and blogs • Maintain a working knowledge of local real estate activity and regulations • Work directly with management to package learnings and feedback from investor interaction into actionable feature expansion and new product development • Able to work cross-functionally within T1F’s internal teams

About the role We are seeking a detail oriented and disciplined administrator to support and grow our draw function focused on residential real estate lending. You’ll be a part of a fast-paced environment, interacting closely with Tier One’s accounting/finance team and internal lending ops teams. The ideal candidate thrives in a start-up environment, with the ability to scope and execute projects and tasks independently with high attention to detail. You’ll need to have strong interpersonal and analytical skills. This position is responsible for monitoring and processing construction loan draws from loan origination to the completion of the construction project. Responsibilities include, but are not limited to, reviewing the draw requests, budgets and document verifications, scheduling inspections and maintaining accurate records of all draws. The Draw Administrator works closely with the feasibility analyst, borrower, contractor/vendors and inspector to coordinate draw funding. Other duties as assigned. What you'll do 1. Draw Request Management - Serve as the primary point of contact for borrowers regarding construction holdbacks and draw processes - Monitor and manage the draws@t1f.com inbox, ensuring timely response to all draw requests 2. Third-Party Inspection Coordination - Schedule and coordinate property inspections with approved third-party inspection vendors - Act as liaison between borrowers and inspection companies to ensure timely site visits - Review inspection reports for accuracy, completeness, and alignment with requested draw amounts - Provide feedback to vendors when clarifications or report improvements are required 3. Budget & Documentation Review - Review project budgets, invoices, lien waivers, and supporting documentation to validate draw eligibility - Evaluate inspection findings against submitted documentation to confirm work completion - Analyze remaining loan funds and construction budgets to determine appropriate disbursement amounts - Exercise sound judgment to ensure funds are released in accordance with project progress and loan guidelines 4. Draw Funding & Disbursement - Coordinate with Accounting/Finance to facilitate timely and accurate funding of approved draws - Verify wire instructions, funding amounts, and borrower details prior to disbursement - Ensure all funding transactions comply with internal controls and lending requirements 5. Reporting & System Administration - Maintain accurate and up-to-date records of all draw activity and borrower status - Input and update draw information within internal company systems and servicing platforms - Generate reporting as needed to track construction progress, fund utilization, and draw history 6. Operational & Cross-Functional Support - Support the Controller and Operations team with additional lending, servicing, or administrative projects as needed - Assist with process documentation, workflow improvements, and system updates to enhance efficiency and scalability - Provide reporting and data analysis support related to loans - Step in to support adjacent operational functions during periods of high volume or team growth Required Qualifications - Experience with budgeting, Construction Management and/or Real Estate Development. - 1-2 years of experience as a Draw Administrator preferred. - Prior banking and/or lending support experience preferred. - Bachelor’s degree or 4 years of relevant job experience preferred. - Strong quantitative and analytical skills; proficiency in Excel - Excellent written and verbal communication skills - Detail-oriented with strong organizational skills and the ability to manage multiple priorities. Key Competencies - Adaptability & Systems Agility – Quickly learns and implements new procedures, platforms, and operational processes in a dynamic environment. - Time Management & Prioritization – Effectively manages competing deadlines to ensure draw reviews, approvals, and fundings are completed accurately and on schedule. - Communication & Customer Service Excellence – Demonstrates strong written and verbal communication skills with a proactive, service-oriented approach when working with borrowers, vendors, and internal teams. - Integrity & Attention to Detail – Exercises high ethical standards, discretion, and precision when reviewing financial documentation and approving fund disbursements. 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.