Job Details

Builders Capital is currently looking for an experienced Credit Officer to join our Commitment+ team in Boise, ID! As a Credit Officer you will work closely with Principles, Loan Officers, and Loan Processors to analyze and underwrite loan originations of residential construction of single family, multifamily and small apartments complexes.

At Builders Capital, we are on a mission to reshape the future of construction financing. As the nation's largest private construction lender, we provide innovative, tailored financing solutions to developers, builders, and investors. Our goal is simple: to be our clients' most valued partner by offering aggressive rates, flexible loan terms, and unmatched service. We're setting ourselves apart by being creative in our financing solutions, leveraging cutting-edge technology, and maintaining an agile, in-house servicing team that ensures quick funding and a smooth process. Builders Capital is leading the charge in addressing the nationwide housing shortage, with approximately 5 million homes needed to meet demand. We're here to help build those homes, one project at a time.

What You'll Do

• 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.
• Experience working with top hundred builders nationwide required.
• 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.

At Builders Capital, we believe in taking care of our team. Here's a sneak peek at the benefits that come with joining us:

• Innovative Environment: Join a forward-thinking company at the forefront of the construction finance industry with access to cutting-edge technology and resources.
• Work Flexibility: Enjoy a flexible work environment where you can balance team leadership with your personal life.
• National Impact: Be part of a nationwide operation that's shaping the future of construction financing and making a difference for builders, developers, and homeowners across the U.S.
• Health Insurance – We've got you covered! Builders Capital pays 100% of your medical insurance premiums to keep you healthy and stress-free, offering a PPO and HSA plans.
• Health Savings Account (HSA) – We contribute annually into your HSA account (prorated from your hire date) and for those the select our HSA plan.
• Competitive Compensation – We offer competitive wages that reward your expertise and hard work.
• Paid Time Off – Take time to recharge with 3 weeks of paid time off each year.
• Paid Holidays – Enjoy 10 paid holidays throughout the year so you can spend quality time with family, friends, or doing whatever you love.

We're here to support you both professionally and personally—because when you thrive, we all thrive.

Builders Capital is an Equal Opportunity Employers (EEO) 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.