Vice President - Senior Commercial Loan Underwriter

Revere Capital is a private credit investment firm specializing in lower middle-market commercial real estate bridge lending and specialty finance strategies.

Job Summary

Operating with minimal supervision, the VP, Senior Commercial Loan Underwriter serves as a subject matter expert in commercial real estate credit policy and risk management. This role is responsible for underwriting complex commercial real estate bridge loans, typically ranging from $5 million to $75 million, across diverse asset classes including multifamily, retail, industrial, self-storage, office, and special-use properties nationwide. The position requires expertise in structured, short-term bridge financing (12-24 months) and institutional bridge loans (3-5 years), supporting acquisition, recapitalization, rehabilitation, and value-add strategies that bridge conventional financing gaps.

KEY RESPONSIBILITIES

Strategic Underwriting & Deal Leadership

• Lead end-to-end underwriting, structuring, and execution of commercial real estate loan transactions from letter of intent through final funding
• Maintain high-volume deal flow, often handling 80+ transactions annually, and provide status updates on underwriting deliverables.
• Serve as deal quarterback, coordinating due diligence, documentation, and closing activities among internal teams, originators, borrowers, and legal counsel
• Underwrite transitional bridge loans and institutional bridge financings across primary, secondary, and tertiary markets, applying proceeds to acquisition, rehabilitation, recapitalization, and discounted loan purchases
• Structure credit terms that appropriately mitigate portfolio risk while accommodating borrower objectives and market dynamics
• Navigate complex, non-traditional real estate credits requiring compressed timelines and certainty of execution

Credit Analysis & Risk Assessment

• Conduct comprehensive financial analysis of borrowers and guarantors, including review of business and personal financial statements, tax returns, projections, cash flow, debt service coverage, leverage, and liquidity
• Assess business quality, industry dynamics, market position, management strength, and sponsor capability
• Perform detailed due diligence on sponsors and affiliated parties, adjusting procedures based on investment complexity and risk profile
• Identify and quantify key investment metrics, returns, credit risks, and mitigants; develop and articulate defensible credit thesis and downside protections
• Review, analyze, and interpret third-party reports including appraisals, environmental assessments, valuations, title reports, and other diligence materials
• Evaluate and verify collateral on all secured loans; analyze appraisal methodologies and assumptions for reasonableness and consistency

Documentation & Committee Presentation

• Prepare and present comprehensive credit memoranda and investment packages to Investment Committee, clearly articulating credit thesis, risk mitigants, and structural protections
• Draft detailed credit analysis for credit authorization, addressing sponsor creditworthiness, asset quality, market conditions, and transaction structure
• Review and negotiate loan documentation, including economic terms and legal provisions, in coordination with internal and external counsel
• Ensure all loan documentation and underwriting processes comply with internal credit policies, regulatory requirements, and program guidelines
• Collaborate with loan asset management on portfolio oversight, post-closing conditions, and ongoing credit monitoring
• Drive deal timelines and coordinate internal and external stakeholders to ensure efficient processing, approval, and closing
• Communicate proactively and professionally with originators, borrowers, and transaction parties throughout the underwriting, approval, and closing process
• Conduct property site visits to assess physical condition, market positioning, and operational performance
• Provide financial and covenant recommendations; engage directly with lenders and borrowers to resolve issues and refine transaction structures

Qualifications

• Advanced expertise in commercial real estate underwriting, credit structuring, and risk mitigation across multiple asset classes; with experience in CLO underwriting as a bonus
• Proven ability to underwrite complex, transitional, and non-traditional real estate transactions with compressed timelines
• Strong financial analysis skills with proficiency in cash flow modeling, debt service coverage, collateral valuation, and sponsor credit assessment
• Excellent written and verbal communication skills; ability to present complex credit analysis to senior leadership and investment committees
• Skilled negotiator with experience managing legal documentation and coordinating counsel
• Highly organized self-starter capable of managing multiple transactions simultaneously with minimal supervision
• Strong interpersonal skills and commitment to delivering exceptional service to internal and external stakeholders

Key Performance Indicators

• Accuracy of underwriting models and financial projections.
• Timeliness of credit memorandum delivery.
• Efficiency in meeting committee deadlines.

Compensation & Alignment

Competitive, performance-driven compensation including base salary, performance bonuses, and long-term upside aligned with platform growth. Details discussed with qualified candidates.

Why Revere

• Direct access to Founder and decision-makers
• Clear, differentiated lower middle market private credit strategy
• 20-year tenure in the private credit space
• Aligned investor base focused on income and downside protection
• Opportunity to materially impact firm growth trajectory

Non-Negotiables - Our Core Values

DO THE RIGHT THING — “Integrity, Always”

You operate with the highest ethical standards, even when no one is watching. You do what you said you would do. You treat counterparties and teammates with respect. And you protect Revere's reputation in every interaction.

Your communication builds trust because it's direct, accurate, and grounded in reality. At Revere, integrity is not a preference; it's the expectation.

INNOVATION — “Assume There is a Better Way”

You’re wired to solve problems. You don’t complain about inefficiency; you solve it. You look for smarter ways to work, better tools to use, and stronger systems to build, especially through technology and AI.

You communicate ideas in a way that moves them forward - clearly, thoughtfully, and with enough substance that others can act on them. You’re not just busy; you’re effective.

OBJECTIVITY — “Data Decides”

You make decisions grounded in facts, not noise. You pressure-test assumptions, stay disciplined, and don't let momentum, ego, or external pressure override our fundamentals. You understand that objectivity isn't just a personal strength; it's a responsibility. Data-driven decision-making is how we protect our investors, our performance, and ultimately our firm. You communicate with precision: what you know, what you don't know, what you’re assuming, and what you need to validate.

ACCOUNTABILITY — “Own the Outcome”

You don't confuse activity with progress. You take ownership, close loops, and drive execution. When something goes wrong, you don't blame the market, the borrower, or the process; you solve the problem. You communicate like an owner: proactively, directly, and with solutions, not surprises. You don't wait for someone to ask; you take responsibility for keeping deals and relationships moving.

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