[Remote] Head of Credit reputed company, Home Builder Finance

Note: The job is a remote job and is open to candidates in USA. reputed company is a real estate finance and technology platform focused on unlocking American housing production. The Head of Credit reputed company, Home Builder Finance will be responsible for building the credit reputed company function, evaluating construction loans, and shaping credit policy to connect underbanked homebuilders to institutional capital.

Responsibilities

• Underwrite residential construction, spec, pre-sold, and build-to-sell homebuilder financing opportunities
• Analyze builder financial statements, tax returns, project pro formas, liquidity, reputed company, 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 reputed company a deal does not hold up to credit scrutiny, while still building productive relationships with builder-facing teams
• Help define reputed company 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 reputed company workflows
• Support capital partner confidence by making the risk reputed company reputed company, repeatable, and transparent

Skills

• 7+ years of experience in construction lending, homebuilder finance, residential real estate credit, or closely reputed company specialty finance
• Direct experience reputed company 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, reputed company, 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
• 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, reputed company 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 reputed company tools, or credit automation
• Track record managing or reputed company 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

• Performance bonus
• Equity participation
• Company-paid medical, vision, dental, and wellness benefits for employees and dependents
• Flexible vacation and sick days
• Paid parental leave

Company Overview