Truehold is one of the nation’s leading platforms at the intersection of real estate and finance, with 200+ employees operating across 15+ markets. As Truehold continues to scale, we are building a best-in-class mortgage operation focused on investor and DSCR lending, designed to combine institutional rigor with startup speed.

This role offers a competitive base salary and is a key operational hire within a growing business line. We are looking for someone entrepreneurial and execution-driven who thrives in a fast-moving environment, takes ownership of loan files end-to-end, and is motivated to help shape and scale Truehold’s mortgage processing function as the platform grows.

Key Responsibilities:

• Process DSCR and investor mortgage loans from initial disclosure through closing
• Review, verify, and organize borrower, property, and third-party documentation to ensure complete loan files
• Calculate and validate DSCR metrics, rental income, and cash-flow inputs in accordance with lender guidelines
• Submit loan files to underwriting and manage underwriting conditions through final approval and clear-to-close
• Collaborate closely with loan officers, wholesale account executives, underwriters, borrowers, title/escrow, appraisers, and other third-party vendors
• Track loan milestones, follow up on outstanding conditions, and proactively resolve issues to keep loans moving
• Maintain accurate loan notes, document tracking, and status updates in the loan origination system and lender portals
• Ensure compliance with investor requirements, internal policies, and applicable regulatory standards

Required Qualifications: 

• 2+ years of mortgage loan processing experience
• Strong understanding of mortgage documentation, underwriting conditions, and closing requirements
• Demonstrated proficiency with wholesale broker portals
• Comfort with investor documentation, rental income, and cash-flow analysis
• High attention to detail and strong organizational skills with the ability to manage several loans simultaneously
• Professional written and verbal communication skills

Preferred Qualifications:

• Experience with DSCR and real estate investor loan products
• Experience with non-agency or non-QM investor lending
• Experience working in a high-volume and/or scaling mortgage operation

We Provide:

• Competitive compensation and benefits
• Marketing and brand presence in the investor ecosystem
• Entrepreneurial environment with opportunity to grow with a rapidly scaling mortgage platform
• Exposure to a high-volume investor and SFR lending ecosystem

Disclaimer: Due to the nature of this role, final candidates may be subject to additional background screening, including a credit report, where permitted by law

We are one of the country’s premier housing platforms, with a nationwide footprint and rapidly expanding mortgage operation focused on non-QM products, including DSCR, fix-and-flip/RTL, and consumer loans. We operate in a performance-driven environment with a strong emphasis on speed, quality, and risk management.

We are seeking an experienced Underwriting Manager to build, lead, and scale a high-performing underwriting organization. This role will own credit policy, underwriting quality, and decisioning speed, ensuring we balance risk management with aggressive growth targets.

Responsibilities

• Team Leadership and Management: Build, lead, and manage a non-QM underwriting team across DSCR, RTL, and consumer products. Establish clear performance expectations and hold the team accountable to SLAs, quality standards, and productivity metrics.
• Credit Policy Ownership: Develop, refine, and enforce underwriting guidelines across all products. Continuously evolve credit policy based on performance data, market conditions, and investor requirements.  Present guidelines and metrics to Investors and Sr Management.
• Underwriting: Review files prior to submission to Correspondent Lenders.  Be able to articulate positions to ensure proper loan conditions and approvals. 
  
  
• Underwriting Operations: Own end-to-end underwriting workflows, including file review, conditions, exception handling, and final credit decisions. Ensure consistent, high-quality decisioning across the portfolio.
  
  
• Loan Delivery: Ensure loans are structured, underwritten, and delivered in line with credit policy and investor requirements. Manage conditions, exceptions, and file quality to drive clean submissions and efficient execution.
  
  
• Turn Time & Throughput Management: Drive underwriting speed and efficiency by managing pipelines, setting SLAs, and removing bottlenecks to support origination volume.
  
  
• Risk & Credit Oversight: Monitor portfolio performance, identify emerging risks, and implement adjustments to credit policy and underwriting standards to protect loan performance.
  
  
• Quality Control: Establish and enforce QC processes to ensure accuracy, consistency, and compliance across all underwriting decisions.
• Exception Management: Define and manage exception frameworks, ensuring disciplined approvals with appropriate documentation and risk controls.
  
  
• Reporting & Analytics: Track and report on key underwriting metrics, including turn times, approval rates, exception rates, and loan performance. Provide actionable insights to leadership.
  
  
• Compliance: Ensure all underwriting activity complies with applicable federal and state regulations, as well as internal policies and investor guidelines.
  
  
• Cross-Functional Collaboration: Partner closely with sales, capital markets, and operations to align credit policy with growth objectives while maintaining disciplined risk management.

Qualifications

• 10+ years of mortgage underwriting leadership experience.
• Deep experience with non-QM products, including DSCR, bridge/RTL, and investor lending.
• Strong understanding of credit risk, loan structuring, and income/asset analysis across complex borrower profiles.
• Experience building or scaling underwriting teams and processes in a high-growth environment.
• Strong familiarity with LOS systems and underwriting workflows.
• Ability to balance speed and risk in a production-driven environment.
• Excellent analytical, decision-making, and leadership skills.

Skills

• Strong credit judgment and risk assessment
• Operational leadership and process optimization
• Data-driven decision making
• Attention to detail and consistency
• Ability to operate in a fast-paced, high-growth environment