Role Description Build the credit underwriting rails for a platform connecting underbanked homebuilders to institutional capital. This is a ground-floor build role inside a new credit platform. The company is not hiring someone to inherit a mature loan desk or simply process an existing pipeline. The right person will help create the underwriting function, shape credit policy, and build a scalable operating model for residential homebuilder finance. The Head of Credit Underwriting, Home Builder Finance will own upstream credit diligence for residential builder and developer financing opportunities. You will: - Underwrite residential construction, spec, pre-sold, and build-to-sell homebuilder financing opportunities. - Analyze builder financial statements, tax returns, project pro formas, liquidity, leverage, DSCR, net worth, LTC, LTV, interest reserves, contingencies, and global cash flow. - Review draw schedules, cost-to-complete analysis, lien waivers, title insurance, inspections, appraisals, absorption assumptions, comparable sales, lot pricing, and market demand. - Prepare clear credit memos and present recommendations to investment committee, capital partners, and senior leadership. - Push back constructively on sourcing when a deal does not hold up to credit scrutiny, while still building productive relationships with builder-facing teams. - Help define underwriting policy, scoring frameworks, governance standards, and scalable workflows for a new credit line of business. - Partner with product and operations teams on loan origination systems, data tooling, and AI-assisted underwriting workflows. - Support capital partner confidence by making the risk framework credible, repeatable, and transparent. Qualifications - 7+ years of experience in construction lending, homebuilder finance, residential real estate credit, or closely related specialty finance. - Direct experience underwriting construction loans or credit facilities for residential builders or developers, including single-family, townhome, or small-to-mid-scale multifamily projects. - Strong command of construction loan mechanics, including draw schedules, lien waivers, title, inspections, cost-to-complete analysis, interest reserves, LTC/LTV, contingencies, and project feasibility. - Strong financial analysis skills across builder financials, tax returns, pro formas, liquidity, leverage, DSCR, net worth, and global cash flow. - Ability to evaluate appraisals, collateral assumptions, local market absorption, comparable sales, lot pricing, and execution risk. - Excellent written credit communication, including clear, concise, persuasive credit memos. - Comfort operating in a build-stage environment with ambiguity, limited existing process, and a need for hands-on ownership. Requirements - Experience at a bank, credit union, private debt fund, non-bank lender, CDFI, or specialty finance platform with dedicated construction or homebuilder finance exposure. - Experience building or improving credit policies, underwriting frameworks, loan origination workflows, or portfolio governance. - Exposure to capital partners, investment committee presentations, or institutional credit decisioning. - Experience with loan origination systems, data platforms, AI-assisted underwriting tools, or credit automation. - Track record managing or underwriting a construction loan portfolio of $50M+ in commitments. - Familiarity with HUD/FHA construction programs, GSE guidelines, state housing finance agency programs, RESPA, TILA, Reg B/ECOA, or state-specific construction lending rules. - CMB, CFA, MBA, MS Finance, or other relevant designation. Benefits - Base salary: $175,000 to $200,000 - Performance bonus - Equity participation - Company-paid medical, vision, dental, and wellness benefits for employees and dependents - Flexible vacation and sick days - Paid parental leave Location This is a U.S.-based role. Sun Belt and high-growth housing markets are preferred, including markets such as Charlotte, Austin, Atlanta, Birmingham, and similar regions. Strong candidates outside those markets will still be considered when the construction/homebuilder finance profile is compelling. Apply Apply now and get a response within 24 hours.

Re-underwrite and re-verify mortgage loans for compliance with underwriting guidelines, prepare detailed findings for management, and analyze loan documentation to assess risk and quality while providing constructive feedback for operational...

Role Description We are seeking a detail-driven Mortgage Underwriting Coordinator to support the review and preparation of residential loan files prior to and during underwriting. This role works closely with loan officers, processors, borrowers, and underwriters to ensure files are complete, compliant, and moving efficiently toward approval and closing. Strong client communication and documentation accuracy are essential. Key Responsibilities - Prepare and review loan files prior to underwriting submission - Analyze borrower documentation for completeness, accuracy, and consistency - Communicate with borrowers to collect missing documents and clarify conditions - Coordinate underwriting conditions and track outstanding items - Ensure compliance with lender guidelines and regulatory requirements - Maintain accurate updates within Loan Origination Systems and CRM - Proactively identify file risks and escalate issues that may delay approval Qualifications - 2+ years of experience in mortgage processing, underwriting support, or residential lending operations - Strong understanding of US mortgage documentation (income, assets, credit, disclosures) - Ability to manage multiple files simultaneously with strong attention to detail - Clear, professional written and verbal communication skills in a client-facing environment - Must have prior remote work experience, be fluent with remote collaboration tools and platforms (such as Slack, Zoom, Google Workspace, Asana, or similar), and have ideally worked with US or UK-based companies. Applications without this experience will not be considered. Preferred Qualifications - Experience working directly with underwriters in US residential lending - Familiarity with agency guidelines (Fannie Mae, Freddie Mac, FHA, VA) - Spanish language proficiency - Experience in high-volume lending environments Tools & Technology - Loan Origination Systems (Encompass, Calyx, or similar) - Automated underwriting systems (DU/LP or similar) - CRM systems - Google Workspace - Slack, Zoom - Task/project management tools (Asana, ClickUp, Trello) Please NOTE It is crucial that you complete the application form in full. As part of the application process, you will be required to record a video. If your application is successful, you will receive an email confirming next steps—the video is the first step of the interview process. If you do not record a video, we will not be able to consider you for ANY open roles.

Role Description The Risk and Underwriting Advisor, Retail Network will partner with other Supply Chain teams and cross-functional stakeholders to strategize and deliver client-specific retail network modeling optimization for new business, market checks, and renewals. As a part of this team, the Advisor will work with leadership to identify and drive not only modeling improvements but also overall process improvements in the retail network and Supply Chain areas. Internally recognized and trusted as the retail network subject matter expert. - Collaborate with SAM and Core Underwriting teams to understand current client financial position, RFP requirements, and retail network approach as well as strategic options for market checks, renewals, and new business. - Ideate and propose strategic retail network optimization opportunities and understand long-term benefits and challenges associated with those optimization opportunities. - Support Retail Underwriting team leadership by reviewing key/complex client retail network modeling and "translating" modeling primary components and assumptions into concise and understandable format and messaging for leadership reviews and Pricing Committee. - Evaluate client data, create scenarios, and provide expert modeling and guidance for existing and new clients in alignment with department strategic objectives that drive value to both clients and Express Scripts. - In collaboration with Retail Underwriting leadership, Core Underwriting, and SAM discuss any potential custom or narrow network options under evaluation to ensure that all modeling and requirements of these networks are accurately represented and in alignment with provider contracts. - Partner with Core Underwriting to analyze the financial impact of client requested network changes to both the client and Express Scripts. - Strategize with cross-functional areas of Express Scripts, including but not limited to Account Management, Core Underwriting, Product, Finance, and New Sales. - Participate in interdepartmental team calls as required to discuss retail network financials. - Assist in documenting best practices/SOPs for retail network modeling team. - Assist with optimization of work processes for retail modeling strategies and achievement of department goals. - Work on special projects and presentations as needed for the Retail Underwriting team. Qualifications - Bachelor’s degree in Finance, Statistics, Mathematics, Economics, or equivalent work experience. - 3+ years of extensive experience in Healthcare, Financial Analysis, or related area. - Proficient with Microsoft Excel; Experience with SQL/SAS/Access a plus. - Demonstrate modeling, trending, and forecasting skills; client guarantee underwriting knowledge preferred. - Demonstrate initiative with commitment and ability to work under pressure and meet tight deadlines. - Proven ability to work collaboratively in complex matrix organizations and agile teams. - Blend creativity, relentless problem-solving, and business acumen to drive innovation through analytics. - Strong verbal/written communication skills to work with various matrix partners. - Knowledge of PBM or Healthcare industry preferred. Requirements - If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload. - For this position, we anticipate offering an annual salary of 88,700 - 147,800 USD / yearly, depending on relevant factors, including experience and geographic location. - This role is also anticipated to be eligible to participate in an annual bonus plan. Benefits - Comprehensive range of benefits focusing on supporting your whole health. - Health-related benefits including medical, vision, dental, and well-being and behavioral health programs starting on day one of your employment. - 401(k) and company paid life insurance. - Tuition reimbursement. - A minimum of 18 days of paid time off per year. - Paid holidays and leaves of absence.