Unitas Funding LLC
Residential Transition Loan (RTL) Underwriter | Cranford, NJ (On-site)
About the Role We’re looking for an experienced
RTL Underwriter
to join our team full-time at our Cranford, NJ headquarters (Monday–Friday, 9am–5pm). In this role, you’ll underwrite short-term
fix-and-flip, new construction, multi-family, and DSCR loans , ensuring each file aligns with company credit policies and investor guidelines. You’ll work closely with our processing, sales, and closing teams to deliver a seamless borrower experience while balancing credit risk and growth objectives.
What You’ll Do
Review and underwrite investor loan products for creditworthiness, collateral, and compliance.
Evaluate borrower documentation, property data, and cash flow analyses.
Validate income, assets, rent schedules, and valuations.
Partner cross-functionally with Account Executives, Processors, and Closers to clear conditions efficiently.
Identify and mitigate risk through detailed credit and collateral assessment.
Maintain strong underwriting quality, productivity, and turnaround standards.
Stay up to date on investor guidelines and industry best practices.
What You’ll Bring
Bachelor’s Degree preferred.
3–5+ years of experience underwriting DSCR, Non-QM, or investor loan products.
Deep knowledge of loan structuring, cash flow underwriting, and credit risk analysis.
Experience with LOS platforms (e.g., Encompass or similar).
Strong attention to detail, organization, and analytical judgment.
Self-driven, adaptable, and thrives in a fast-paced environment.
About Unitas Funding Unitas Funding LLC is a
direct lender
serving real estate investors nationwide. We provide short-term financing for 1–4 family homes, multi-family projects, ground-up construction, and development — helping investors build, add value, and grow their rental portfolios.
We offer
competitive compensation ,
annual bonus potential ,
healthcare ,
life/disability insurance , and a
401(k)
plan.
Equal Opportunity Employer Unitas Funding is committed to creating a diverse, inclusive workplace. We make all employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or age.
Applicants must have valid U.S. work authorization. Sponsorship is not available for this position.
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About the Role We’re looking for an experienced
RTL Underwriter
to join our team full-time at our Cranford, NJ headquarters (Monday–Friday, 9am–5pm). In this role, you’ll underwrite short-term
fix-and-flip, new construction, multi-family, and DSCR loans , ensuring each file aligns with company credit policies and investor guidelines. You’ll work closely with our processing, sales, and closing teams to deliver a seamless borrower experience while balancing credit risk and growth objectives.
What You’ll Do
Review and underwrite investor loan products for creditworthiness, collateral, and compliance.
Evaluate borrower documentation, property data, and cash flow analyses.
Validate income, assets, rent schedules, and valuations.
Partner cross-functionally with Account Executives, Processors, and Closers to clear conditions efficiently.
Identify and mitigate risk through detailed credit and collateral assessment.
Maintain strong underwriting quality, productivity, and turnaround standards.
Stay up to date on investor guidelines and industry best practices.
What You’ll Bring
Bachelor’s Degree preferred.
3–5+ years of experience underwriting DSCR, Non-QM, or investor loan products.
Deep knowledge of loan structuring, cash flow underwriting, and credit risk analysis.
Experience with LOS platforms (e.g., Encompass or similar).
Strong attention to detail, organization, and analytical judgment.
Self-driven, adaptable, and thrives in a fast-paced environment.
About Unitas Funding Unitas Funding LLC is a
direct lender
serving real estate investors nationwide. We provide short-term financing for 1–4 family homes, multi-family projects, ground-up construction, and development — helping investors build, add value, and grow their rental portfolios.
We offer
competitive compensation ,
annual bonus potential ,
healthcare ,
life/disability insurance , and a
401(k)
plan.
Equal Opportunity Employer Unitas Funding is committed to creating a diverse, inclusive workplace. We make all employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or age.
Applicants must have valid U.S. work authorization. Sponsorship is not available for this position.
#J-18808-Ljbffr