Job Description

Full-Time | Hybrid (Remote + Spokane HQ preferred but flexible)

Department: Credit & Risk

Reports To: Director of Lending / Head Underwriter

Sir Lends A Lot is a fast-growing private lending company specializing in fix-and-flip, DSCR, and new construction loans for real estate investors nationwide. We move fast, we solve problems for borrowers, and we pride ourselves on being a lender that closes—reliably and on time.

We are expanding our loan volume and need a sharp, detail-oriented Underwriter who knows how to underwrite private/hard money and DSCR lending in a production environment.

You will underwrite a high volume of real estate investor loans—primarily fix-and-flip, BRRRR, DSCR, and construction—with an emphasis on risk management, clear conditions, and quick turn times. The ideal candidate has real private lending or non-QM experience and is used to moving fast without sacrificing accuracy.

• Analyze borrower financials, credit, and investor experience
• Review collateral documentation: appraisals, contractor bids, title, insurance, valuations, rent comps
• Underwrite fix-and-flip and construction budgets, ARVs, exit strategies
• Underwrite DSCR loans and validate rental coverage
• Issue pre-approvals, term sheets, and underwriting decisions with clear conditions
• Communicate with processors, loan officers, and brokers to clear conditions and move loans to closing
• Identify red flags and propose solutions—NOT just decline deals
• Make common-sense lending decisions aligned with risk tolerance
• Work in LOS (Mortgage Automator, Lendr, etc.) and update loan files accurately
• Turn times:
• 24 hours or less for pre-approval / initial review
• 48–72 hours for full underwriting

• 2–5+ years underwriting private money, non-QM, or DSCR loans
• Ability to read credit, bank statements, entity docs, HUDs, appraisals, and contractor scopes
• Strong understanding of real estate investment lending and collateral-based underwriting
• Comfortable working in a fast-moving pipeline with daily production quotas

• Experience with construction underwriting (budget review, draw schedules)
• Experience in fix-and-flip/BRRRR valuation
• Mortgage Office, Lendr, or similar lending LOS
• Background with correspondent lenders or table funding

Typical private/hard money underwriting compensation in 2024–2025:

• Base: $65,000 – $95,000
• Per File Comp: $150-$300/underwritten file depending on monthly closings and meeting timeline milestones.

• Clear files with minimal underwriting rework
• Reliable turn times under 72 hours
• Low fallout due to clean conditions and communication
• Strong alignment between credit quality and production goals

Fast-moving. Problem-solvers only. No bureaucracy. We want underwriters who know how to get safe, compliant deals closed—not underwriters who hide behind “no.”

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