Careers: Credit Officer


 Apply here for the Credit Officer role! Our Recruiting Manager will get back to you within 48 hours.

Builders Capital is looking for a Credit Officer with a creative mindset and a desire to make deals happen to join our team. Builders provides a comprehensive range of loan programs for builders and developers. Builders is the leading private equity lender in the Northwest, and rapidly expanding into new markets.  We’ve been around since 2009 and provide a comprehensive range of loan programs for builders and developers. Last year alone we originated more than $620M worth of loans and our goal is to double that in the next year, our loans help to create quality housing within communities.


  • Daily duties of the Credit Officer are to work closely with Loan Officers and Transaction Coordinators to analyze and underwrite loan originations of residential construction of single family, multifamily and small apartments complexes.
  • Analyze income property loan requests, including collateral cash flow analysis and valuation, borrower financial statements and tax returns, and market analysis.
  • Assist in complex financial analysis, accurate and timely market analysis, borrower’s financial and credit documentation.
  • Analyze information such as property profiles, demographics, maps, and inspections.
  • Perform underwriting analysis of credit profile, liquidity and project.
  • Ensure each loan is accurate and complete according to investor requirements.
  • Submit loans to Loan Committee via Loan Origination System, and/or present in live loan committee. Act as the point person in loan committee.
  • Make underwriting decisions on the loans. Manage portfolio to keep default rates within allowable ranges per investor and company expectations.
  • Clear closing conditions and communicate with Escrow, Loan Originators and Transaction Coordinators to provide status updates and closing time frames.
  • Coordinate loan closings/draw closing documents, review settlement statements, and order/balance funding wires.
  • Review loan for red flags, requesting supporting documentation as needed.
  • Stay up to date on industry trends, market changes and company policies.
  • Participate in departmental policy and procedure revision and updates, as necessary.
  • Assist administration team with special projects, other duties as assigned


  • Bachelor’s degree in Finance, Commercial Real Estate, or related field.
  • Minimum 4 years of experience in commercial mortgage experience: underwriting, financial statement, tax return analysis, risk assessment and analysis, and processing of loans.
  • Understanding of income property appraisal and cash flow methodology.
  • An effective communicator (written and verbal) – clear, concise, concrete, correct, coherent, complete, and courteous
  • A self-starter with a strong attention to detail and good organizational skills
  • Able to meet deadlines and can work through any problems that might arise
  • A critical thinker that can work independently or as a team.
  • Willing to assume duties and projects to further the goals of the company.
  • Proficient in Microsoft Office products including Excel, Word, and Outlook. Pivot Tables and VLOOKUP’s in Excel are a plus.


  • Health insurance – Builders Capital pays 100% of employee Medical insurance premiums
  • Competitive Salary
  • Quarterly Bonus
  • Paid Time Off – 3 weeks a year
  • 10 Paid Holidays
  • Health Reimbursement Account (HRA) – Builders Capital contributes $125 dollars per month into an employee HRA
  • 401(k) match


Builders Capital and its affiliates are Equal Employment Opportunity (EEO) employers and welcome all qualified applicants.  This is a full-time exempt position. The job description contained herein is not intended to be a comprehensive list of the duties and responsibilities of the position, which may change without notice.