SFR/CRE Underwriter, VP

Encore Finance is a private real estate lender focused on building lasting relationships with real estate investors. Led by experienced real estate professionals, Encore provides financing solutions that help borrowers grow their businesses.

We are seeking an experienced SFR / CRE Underwriter at the Vice President level to evaluate and structure loans secured by Single Family Rental, Build-for-Rent, multifamily, construction, and commercial real estate assets . Reporting to the Head of Underwriting, this role is central to sound credit decision-making and requires sophisticated cash-flow analysis, real estate valuation, and risk assessment. You will maintain continuity with borrowers from origination through closing, collaborate across the lending platform, and contribute to special projects within credit operations and asset management.

• Underwrite complex real estate loans. Process and evaluate SFR and commercial real estate lending transactions by reviewing financial statements, credit reports, property appraisals, and related due diligence.
• Assess credit and structure risk. Evaluate borrower creditworthiness, property cash flows, collateral value, and key risk factors; recommend appropriate approvals, modifications, mitigants, or declines.
• Maintain policy and regulatory discipline. Ensure loan requests comply with Encore’s lending policies, regulatory requirements, and risk management standards.
• Lead thorough due diligence. Identify potential borrower, property, and transaction risks and coordinate with third-party vendors on property-related reviews.
• Partner across the organization. Work with Originations, Credit, Capital Markets, senior management, and other stakeholders to gather and evaluate the information required for sound credit decisions.
• Prepare clear credit recommendations. Produce comprehensive underwriting memos that present analysis, risk assessment, mitigating factors, and recommendations.
• Drive transactions toward approval and closing. Confirm that required documentation is complete and accurate, preserve continuity with borrowers, and help resolve issues throughout the underwriting process.
• Improve underwriting practices. Stay current on market trends, emerging risks, and industry best practices while contributing to improvements in processes and guidelines.

• Bachelor’s degree in finance, accounting, or a related field.
• 7+ years of progressive experience in finance, banking, or lending, including significant SFR and commercial real estate loan underwriting.
• 2+ years of supervisory experience, with the ability to delegate appropriately, set clear expectations, and manage accountability.
• Strong knowledge of real estate lending and underwriting principles, current lending policies, regulatory requirements, and risk management standards.
• Excellent analytical and problem-solving skills, attention to detail, and command of financial concepts and real estate valuation.
• Strong written and verbal communication, interpersonal, organizational, and customer service skills.
• Ability to prioritize competing demands, meet deadlines, and perform effectively in a fast-paced environment.
• Proficiency with Microsoft Office Suite and related software.

New York Salary Range: $140,000 - $160,000

Eligible for discretionary annual performance bonus and Encore’s comprehensive benefits package which includes a generous employer contribution to medical, dental, vision insurance with HSA, FSA, Wellbeing benefits, 401k, pre-tax commuter benefit, Paid Time Off and 10 Paid Holidays.

This is an opportunity to take a senior role in the credit decisions that shape Encore’s lending portfolio. You will work closely with experienced real estate professionals and senior leadership, influence transactions from initial review through closing, and help strengthen the underwriting practices that support the firm’s growth. The role offers meaningful contribution, broad exposure across the lending platform, and the chance to make a direct impact on borrowers, portfolio quality, and the business.