Senior Director of Credit

DLP Capital

Saint Augustine (FL)

On-site

USD 120,000 - 180,000

Full time

14 days+

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Benefits offered by this job

Unlimited PTO

Health/dental/vision/life insurance

401(k) matching

Parental leave

Well-being programs

Job summary

A fast-growing lending organization in Florida seeks a Senior Director of Credit to lead a team in underwriting and risk management. This role requires over 15 years of experience in commercial lending, with a strong focus on strategic decision-making and operational excellence. Responsibilities include developing credit guidelines, managing a team, and promoting a culture of accountability. The company offers various benefits, highlighting its mission to positively impact communities.

Qualifications

Extensive experience in CRE credit and underwriting across private credit and commercial lending.
Track record of executing complex construction and development deals.
Deep knowledge of capital stacks and credit strategy.

Responsibilities

Lead and manage the Credit & Underwriting department.
Develop and maintain credit guidelines and analysis tools.
Ensure compliance with SOPs and maintain high expertise in lending products.

Skills

CRE credit leadership

underwriting expertise

risk management

financial modeling

people leadership

operational excellence

Education

15+ years in relevant field

Job description

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The Senior Director of Credit leads a team responsible for the underwriting of investment opportunities, managing risk, and ensuring strategies align with DLP’s risk/return profile. This role provides market and product expertise, advises the origination and relationship management teams, and helps develop solutions that balance business goals with risk management. Communication spans senior leaders, investors, brokers, and committees to drive growth of the Community lending platform.

Responsibilities further encompass general credit authority up to an authority level determined by the CEO for all loans, regardless of product type or asset class. Support will be given in areas where organization and efficiency would streamline operations, including but not limited to documentation provided to leverage facilities on behalf of DLP. The day‑to‑day management of all individuals within the Credit & Underwriting department also falls within the purview of this role.

Requirements

15+ years of CRE credit, underwriting, and risk leadership across private credit, private equity real estate, or commercial lending, with a track record executing complex $10M–$100M construction, bridge, value‑add, and development deals.
Expert in credit risk, financial modeling, structuring, and sponsor/market analysis, with deep knowledge of capital stacks (senior, mezz, pref) and construction risk, and the ability to set credit strategy, frameworks, and policies.
Proven people leader with experience building and developing high‑performing underwriting and credit teams, driving operational excellence, and collaborating cross‑functionally with originations, portfolio management, legal, and capital markets.
Exceptional judgment and decision‑making, capable of balancing disciplined risk management with growth goals, confidently presenting recommendations to senior leadership and Investment Committees.
Strong cultural alignment with DLP’s core values—Prepared To Win, grit, stewardship, 20 Mile March and commitment to DLP’s mission of Transforming Lives by building thriving communities.

Responsibilities

Responsible for the development, implementation and training of all credit analysis tools utilized across the lending business. Works with other lending leaders to ensure consistent application across the business.
In consultation with other lending leaders/stakeholders, develop and maintain the credit guidelines of the firm; always looking to changes in the market to ensure that the business is appropriately shifting in response to new opportunities and risks.
Develop and maintain learning curriculum for his own team, and the relationship management team; drive the development of risk management and skills across the lending business.
Create a culture of execution and accountability, with a willingness to go above and beyond.
Manage Debt placement for take out financing.
Review appraisals and confirm valuations align with investment strategy of the deal.
Complete and/or review approval memo based on completed sponsor loan package, appraisal analysis and capex review. Submit to Credit Committee for review and loan approval.
Ensure division‑wide SOPs are in place for all processes and procedures, and that these SOPs are maintained and updated regularly, and adhered to by all team members.
Maintain a high level of expertise in all DLP Lending products and procedures, including sales programs and guidelines, operational standards, and construction underwriting.
Dedicate time to site visits; direct borrower interaction, focusing on Elite Members; ensure that a senior member of the credit team performs site visits during the underwriting process.
Attendance; engagement at all Elite events, prioritizing Elite Member engagement and relationship cultivation.
Engage team members quarterly to assist in designing S.M.A.R.T. Rocks; Milestones.

What you’re motivated by:

Making an impact. Whether it’s the residents who call our Thriving Communities home, the investors who trust us to be stewards of their capital, or the sponsors we work with to 10x their business, everything we do is about making an impact.
Challenges. You see roadblocks as opportunities and are proactive in finding solutions.
Growth. We’ve been named to the Inc. 5000 as one of the Fastest‑Growing Private Companies in America for thirteen consecutive years.

Who We Are

We finance the building of Thriving Communities.

Our Mission

We are changing the nation through the building of Thriving Communities. We are the leader in funding the building of Thriving Communities centered in safe, attainable housing.

Our Purpose

To passionately make an extraordinary impact by transforming lives and building Thriving Communities.

To positively impact and transform 10 million lives by funding the building of 5,000 Thriving Communities, becoming one of America’s 100 largest private companies.

Our Culture

We work hard, marching towards ambitious goals driven by a purpose that’s bigger than ourselves.
We are impact‑driven, seeking to make a difference not just on the affordable housing crisis but also in the lives of our employees, investors, and partners.
We are disciplined, following our exclusive Elite Execution System to develop personally and professionally.
We strive to Live Fully, finding fulfillment in all areas of our lives.

Our Core Values

Driven For Greatness: We are driven by the pursuit of knowledge and the paramount importance of a growth mindset, cultivating greatness both personally and professionally.

Living Fully: We prioritize living fully with a dedication to achieving optimal health in all aspects of life: faith, family, friends, freedom, fun, fulfillment, fitness, and finance.

Grit: We have the endurance and unshakable commitment necessary to achieve our visionary long‑term goals.

Community: We elevate the greater good over individual interests, magnifying our impact and cultivating thriving relationships with investors, sponsors, residents, and our colleagues.

Authenticity: We are true to ourselves and others, steadfast in our beliefs and values. We hold ourselves and others accountable, fostering open dialogue to propel growth.

Prepared To Win: We apply discipline to our thoughts and our actions, which leads us to put forth consistent effort and commitment doing the important proactive work despite the urgent priorities we face each day. We plan to win, and are prepared for volatility and challenges.

Kingdom Impact: We share God's love and transformative power through our labor, serving everyone in God’s likeness. The world will know God more through our work and how we do it.

Twenty‑Mile March: We march towards clear, well‑defined goals and objectives with unwavering focus, constantly evaluating our performance and course‑correcting as needed.

Stewardship: We are guided by our commitments to those who trust us with their capital, their communities, and their careers.

Servant Leadership: We lead with high standards & deep devotion. We display as humble confidence as we build deep relationships and trust. We show the way through the forest, empowering growth, accountability, and a founder’s mentality, with team members regularly asking “What else can I do to achieve the desired results?”

Benefits and Perks

Unlimited PTO, health/dental/vision/life insurance, 401(k) matching, parental leave, adoption services reimbursement/learning/educational incentives, Volunteer Time Off, well‑being programs, company events, self improvement/productivity tools, & the incredible feeling of making a difference.

Equal Opportunity Employer

DLP is a committed Equal Opportunity Employer. If you are a qualified individual with a disability and require assistance in searching for a position or submitting an application, please contact HR at hr@dlpcapital.com. Offers of employment are conditional upon satisfactory completion of pre‑employment background verification (including E‑Verify). California applicants can view our California Data Privacy Policy here.

Seniority level