Urrly

Head of Credit Underwriting, Home Builder Finance

Charlotte, NC

Sponsorship not specified$175k-$200kDetected 32 days ago

RailsFinancial AnalysisCommunicationPublic SpeakingUnderwriting

About the role

Head of Credit Underwriting, Home Builder Finance Build the credit underwriting rails for a platform connecting underbanked homebuilders to institutional capital. About The Company Our client is a real estate finance and technology platform focused on unlocking American housing production. Small and regional builders create a meaningful share of U.S.
housing, but many are still underbanked by traditional capital markets. The company is building the governance infrastructure, data systems, and capital partner model needed to connect those builders to institutional capital at scale. This is a ground-floor build role inside a new credit platform. The company is not hiring someone to inherit a mature loan

The Head of Credit Underwriting, Home Builder Finance will own upstream credit diligence for residential builder and developer financing opportunities.
You will evaluate construction loans, pressure-test builder financials and project economics, develop credit recommendations, and create the underwriting discipline needed for a platform that intends to become a full originator.
The work includes hands-on underwriting and memo writing, but also the judgment to build a repeatable credit process in a company that is still creating the rails.
What You Will Own Underwrite residential construction, spec, pre-sold, and build-to-sell homebuilder financing opportunities.
Partner with product and operations teams on loan origination systems, data tooling, and AI-assisted underwriting workflows.
What Makes This Opportunity Different You will help build the underwriting function, not just operate inside one.

7+ years of experience in construction lending, homebuilder finance, residential real estate credit, or closely related specialty finance.
Ability to evaluate appraisals, collateral assumptions, local market absorption, comparable sales, lot pricing, and execution risk.
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.

About The Company Our client is a real estate finance and technology platform focused on unlocking American housing production.
The company is not hiring someone to inherit a mature loan desk or simply process an existing pipeline.
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.

Help define underwriting policy, scoring frameworks, governance standards, and scalable workflows for a new credit line of business.

$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.

Our client is a real estate finance and technology platform focused on unlocking American housing production.
Small and regional builders create a meaningful share of U.S. housing, but many are still underbanked by traditional capital markets.
The company is building the governance infrastructure, data systems, and capital partner model needed to connect those builders to institutional capital at scale.
This is a ground-floor build role inside a new credit platform.
The right person will help create the underwriting function, shape credit policy, and build a scalable operating model for residential homebuilder finance.
The company has credibility in residential real estate and has managed over $1B in assets, while the credit platform is still early enough for this hire to shape the playbook.

This listing is sourced directly from Urrly's careers page and normalized into a canonical job model.