Underwriter

Dynamo Capital•Wichita, KS

19d

About The Position

As an RTL / Fix & Flip Underwriter, you will independently evaluate short-term bridge and renovation loans for real estate investors. This role plays a critical part in balancing speed, sound credit judgment, and risk management while supporting a high-volume, growth-stage lending platform. You will assess borrower and entity credit strength, collateral quality, construction feasibility, and market risk to structure well-performing loans that close efficiently and align with company and investor guidelines. This role directly impacts deal velocity, loan quality, and overall portfolio performance, partnering closely with sales, processing, and construction/draw teams.

Requirements

2+ years of underwriting experience (real estate, mortgage, private lending, or financial services)
Strong analytical and financial evaluation skills
Ability to manage multiple priorities and meet deadlines in a fast-paced environment
Strong attention to detail and accuracy

Nice To Haves

Experience in RTL / Fix & Flip, hard money, or construction-based lending
Demonstrated experience underwriting renovation-based investment loans
Background in real estate, mortgage, commercial lending, or financial services
Bachelor’s degree in Finance, Accounting, Real Estate, or related field

Responsibilities

Independently underwrite Residential Transition Loans (Fix & Flip / Bridge / Rehab) in accordance with internal guidelines and delegated credit authority
Deliver sound, well-documented credit decisions that balance risk management with business growth objectives
Analyze borrower and entity creditworthiness, liquidity, experience, and exit strategies
Review and validate ARV appraisals, broker price opinions, market comparables, and valuation methodologies
Evaluate construction and renovation budgets, scopes of work, contractor credentials, and feasibility
Validate LTV, LTC, ARV, and cost-to-complete calculations for accuracy and guideline compliance
Identify layered credit, collateral, construction, and market risks; clearly document risk mitigants and approval rationale
Review and decision title insurance, property taxes, hazard insurance, entity documentation, and other collateral requirements
Underwrite loan scenarios across SFR, Condo, 2–4 Unit, and Multifamily (5+ unit) properties
Communicate proactively and professionally with processors, originators, brokers, and internal partners to clear conditions and move loans to closing efficiently
Manage a high-volume pipeline while maintaining accuracy and meeting turnaround expectations
Ensure underwriting decisions comply with internal guidelines, investor requirements, and applicable regulatory standards
Maintain complete, accurate, and audit-ready loan documentation
Contribute to guideline refinement, process improvements, and operational efficiencies to enhance borrower experience and reduce cycle times