Underwriter - Sir Lends A Lot LLC

Job Description

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

Department : Credit & Risk

Reports To : Director of Lending / Head Underwriter

About Sir Lends A Lot

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.

Role Overview

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.

Core Responsibilities

• 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

Required Experience

Preferred / Bonus Skills

Compensation

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

What Success Looks Like

Company Culture

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.”