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
2–5+ years underwriting private money, non-QM, or DSCR loansAbility to read credit, bank statements, entity docs, HUDs, appraisals, and contractor scopesStrong understanding of real estate investment lending and collateral-based underwritingComfortable working in a fast-moving pipeline with daily production quotasPreferred / Bonus Skills
Experience with construction underwriting (budget review, draw schedules)Experience in fix-and-flip / BRRRR valuationMortgage Office, Lendr, or similar lending LOSBackground with correspondent lenders or table fundingCompensation
Typical private / hard money underwriting compensation in 2024–2025 :
Base : $65,000 – $95,000Per File Comp : $150-$300 / underwritten file depending on monthly closings and meeting timeline milestones.What Success Looks Like
Clear files with minimal underwriting reworkReliable turn times under 72 hoursLow fallout due to clean conditions and communicationStrong alignment between credit quality and production goalsCompany 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.”