Director of Lending (Commercial & Business-Purpose)

Job Description

Job Description

Director of Lending (Commercial & Business-Purpose)

Location: Fully Remote (U.S.-based)

Employment Type: Full-Time

Schedule: Monday–Friday, 9:00 AM – 5:00 PM EST

Reports To: Chief Operating Officer

Compensation: Competitive base salary + performance-based incentive

Website:

Trophy Point is a fast-growing private lender specializing in business-purpose real estate loans including fix & flip, bridge, multifamily, and small-balance commercial loans. We support real estate investors and business owners by providing fast, flexible capital, strong communication, and full-cycle lending support from origination through servicing.

Role Overview

The Director of Lending is a senior leadership role responsible for end-to-end oversight of Trophy Point’s lending function , including both Sales-focused Loan Originators and Credit / Loan Origination Operations .

This role exists to remove operational and people-management burden from the COO , allowing executive leadership to focus on company growth, capital strategy, and external relationships—while ensuring the lending organization operates with discipline, consistency, and accountability.

The ideal candidate brings formal people-management training from banking, commercial lending, or regulated financial institutions, paired with the ability to operate effectively in a fast-moving private lending environment.

This is not a quota-carrying sales role , but it does require strong commercial judgment, credibility with originators, and a deep understanding of how loans move from prospect to close.

Core Objectives of the Role

• Build and lead a high-functioning lending organization
• Ensure consistent execution across sales origination and loan processing
• Develop managers and originators, not just oversee output
• Create structure, cadence, and accountability where scale is occurring
• Serve as the single point of leadership across lending functions
• Elevate performance without burnout or chaos

Key Responsibilities

Lending Organization Leadership

• Provide direct leadership to:
• Sales / Loan Origination Managers
• Loan Originators (sales-oriented and credit-oriented)
• Establish clear roles, expectations, and performance standards
• Create a culture of accountability, professionalism, and collaboration
• Coach managers on people leadership, not just deal volume

Sales & Origination Oversight (Non-Selling)

• Oversee pipeline health, conversion quality, and borrower experience
• Ensure originators focus on repeat, high-quality borrowers , not one-off deals
• Partner with Sales Managers to:
• Set realistic production targets
• Balance growth with credit discipline
• Intervene in complex or stalled deals as an executive problem-solver—not as a salesperson

Credit, Process & Risk Alignment

• Ensure lending practices align with company risk appetite and capital strategy
• Partner with underwriting and operations to:
• Reduce friction between sales and credit
• Improve cycle times without compromising quality
• Bring structured decision-making common to banking environments into private lending execution

Team Development & Performance Management

• Hire, develop, and retain strong lending professionals
• Identify skill gaps and implement training and coaching plans
• Conduct performance reviews and succession planning
• Address underperformance decisively and professionally

Operational Cadence & Reporting

• Implement consistent rhythms:
• Pipeline reviews
• Performance dashboards
• Team meetings
• Provide leadership with clear, actionable reporting on:
• Loan volume
• Conversion rates
• Team performance
• Risk trends

Cross-Functional Leadership

• Serve as the primary liaison between lending, operations, marketing, and capital markets
• Reduce reliance on executive escalation by resolving issues at the director level
• Represent the lending organization internally with executive maturity

What This Role Is Not

• Not a commission-driven sales role
• Not a “super originator” position
• Not a passive oversight role

This role requires active leadership , structured thinking, and strong people management.

Ideal Background & Experience

• 10–15+ years in commercial lending, banking, or structured finance
• Proven experience managing lending teams , not just producing loans
• Background in:
• Commercial banking
• Credit management
• Institutional lending
• Regulated financial environments
• Strong understanding of:
• Credit decisioning
• Loan lifecycle management
• Sales-credit alignment
• Experience transitioning teams through growth or change
• Executive presence and sound judgment under pressure

Private lending experience is a plus, but strong banking leadership experience is often preferred due to formal management training.

• Fully Remote Job Opportunity
• Work with an ambitious and rapidly growing lender in a high-demand niche.
• Opportunity for meaningful commission upside based on performance.
• Collaborative team with end-to-end operational support (origination → underwriting → closing → servicing).
• Long-term remote work with growth potential.

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