Underwriter - Real Estate Purpose Lending

What You’ll Do: Underwrite business-purpose real estate loans from initial submission through final approval Analyze sponsor and guarantor credit, liquidity, net worth, experience, and financial capacity Review borrower and entity structures Analyze purchase price, cost basis, payoff, project costs, sources and uses, and requested loan amount Review construction and renovation budgets Evaluate sponsor experience relative to project size and complexity Review appraisals and analyze current value, as-is value, ARV, and collateral risk Calculate and evaluate LTC, LTV, LTARV, DSCR, and other applicable leverage metrics Analyze ground-up construction and fix & flip projects, including remaining costs and completion risk Underwrite acquisition, bridge, refinance, recapitalization, and qualifying cash-out transactions Review DSCR transactions and rental income Analyze credit reports, background reports, bank statements, personal financial statements, schedules of real estate, entity documents, and supporting financial information Evaluate loan purpose, project feasibility, exit strategy, and repayment risk Identify exceptions, weaknesses, and compensating factors Prepare clear credit recommendations for approval Establish underwriting conditions and determine what is required to close Work with originators to structure transactions within Trentium’s lending programs Communicate underwriting decisions and credit concerns clearly and efficiently Help find reasonable structures for good transactions without compromising credit quality Maintain accurate underwriting information in Trentium’s loan origination systems Help improve underwriting processes and credit workflows as Trentium scales

What We’re Looking For: We are especially interested in candidates with underwriting experience in: Private / hard-money lending Business-purpose real estate lending Residential transition lending Ground-up construction Fix & flip / rehab Bridge lendingDSCR / investor lending Residential investment real estate Small-balance commercial real estate lending Strong candidates should be comfortable independently evaluating: Sponsor experience Credit and financial capacity Liquidity and net worth Construction and renovation risk Real estate collateral Project economicsLTC, LTV, LTARV, and DSCRLoan structure Exit strategy Entity and guarantor structure Exceptions and compensating factors We value underwriters who understand the difference between a manageable exception and a bad loan. You should be analytical and detail-oriented while also understanding that private lending is an execution-driven business. We want someone who can protect the company’s credit standards without creating unnecessary friction or delays on transactions that make sense. Traditional consumer mortgage underwriting experience alone is generally not the profile we are looking for.

What Success Looks Like: A strong Trentium underwriter should be able to quickly answer: Is this a good real estate loan? How much should we lend? What are the material risks? Does the sponsor have the experience and financial capacity to execute? Does the collateral support the requested leverage? Is the exit strategy realistic? What conditions or structural changes are needed to get comfortable? Is there a reasonable way to get the transaction done? We are looking for someone who takes ownership, communicates clearly, makes sound credit decisions, and understands that underwriting plays an important role in both risk management and execution. About Trentium Capital Trentium Capital is a private, business-purpose real estate lending platform serving real estate investors, builders, and developers nationwide. Our lending platform includes: Ground-up construction Fix & flip / rehab BridgeDSCRLarge-balance and luxury residential lending Single-asset transactions ranging approximately from $250K to $15MMWe are building Trentium around speed, certainty of execution, white-glove service, strong lending products, technology, and disciplined credit decision-making. Our goal is to build an underwriting organization capable of moving quickly and intelligently while maintaining strong credit quality as the company scales. Location This is a full-time, in-office position based in Fort Lauderdale, Florida. Candidates should be able to work from Trentium’s Fort Lauderdale office five days per week. Growth Opportunity Trentium is continuing to scale its lending platform nationally. High-performing team members will have opportunities to take on greater responsibility as the company grows, including potential paths into senior underwriting, credit, and lending leadership roles.