Careers

Join Our Team

Our award-winning culture is dedicated to ensuring the most positive work atmosphere possible to nurture a supportive, productive, and committed team.

Why Select X-Caliber and Affiliates?

We offer:

  • Competitive salary
  • Remote and hybrid working
  • Excellent benefits
  • 401K with matching contributions
  • Unlimited PTO

We pride ourselves in providing a fun-spirited, diverse, community-driven atmosphere with a work-life balance culture.

A Day in the Life of an X-Caliber Intern, Class of 2026

Nine weeks. 17 interns. One team. What our 2026 interns built, learned, and celebrated, in their own words.
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  • Our Story
    The history of X-Caliber’s lending platform began more than three decades ago, and today the company is a rapidly expanding real estate impact lending and investing firm.
    Learn More »
  • Outstanding Culture
    We pride ourselves in providing a fun-spirited, diverse, community-driven atmosphere with a work-life balance culture.
    Learn More »
  • Strong Mission and Values
    We offer an environment where you can grow and flourish with endless possibilities.
    Learn More »
  • Charitable Giving
    Service to others is important, and we strive to give back in meaningful ways.
    Learn More »

Employment Opportunities

Company Overview:

Caliber is a nationally recognized commercial real estate platform offering direct mortgage lending, loan servicing, advisory services, and investment opportunities. With a strong foundation built on decades of proven success and deep industry expertise across our affiliated entities, we are committed to delivering market leading solutions that create long term value for our clients, investors, and communities.

Position Summary:

The Bridge Loan Portfolio Manager oversees the management, administration, and performance of a growing bridge loan portfolio. This role serves as the primary post-closing contact for borrowers and ensures timely onboarding, covenant compliance, cash management, draw administration, investor reporting, and portfolio health. The position partners with Origination, Underwriting, Finance, Legal, and Investor Relations to deliver a high-quality borrower and investor experience.

This position is based in the Timonium, Maryland office, with a hybrid or in office schedule as applicable, and reports to the Vice President, Bridge Portfolio Manager.

Key Responsibilities:

Loan Onboarding & Administration:

  • Review loan agreements and closing documentation to ensure accurate onboarding and servicing setup.
  • Complete new loan onboarding tasks, including system setup, financial spreads, covenant tracking, and borrower profiles.
  • Lead borrower welcome calls and distribute customized welcome packages.
  • Establish tax and insurance tracking with third party vendors as applicable.

Portfolio & Borrower Management:

  • Serve as the primary relationship manager for assigned borrowers throughout the life of the loan.
  • Request, track, review, and analyze borrowers’ monthly financial reporting to monitor covenant compliance and risk.
  • Review borrower operating budgets, construction budgets, and variance analyses.
  • Administer cash management structures, including collections, disbursements, and monthly cash flow analysis.
  • Review and approve draw requests (construction, capex, operating, reserve, and repair draws).
  • Collaborate with the special assets team on workout strategies for distressed and underperforming loans, including restructures, modifications, and recovery efforts.

Investor & Internal Reporting:

  • Prepare and maintain quarterly investor reporting for the assigned portfolio.
  • Review and approve monthly investor remittances.
  • Coordinate with Finance to support accurate reconciliations and reports.

Ongoing Loan Compliance:

  • Track and ensure completion of all post-closing requirements.
  • Review annual insurance certificates and process premium reimbursements.
  • Approve tax payments and manage escrow analyses and adjustments.
  • Retrieve and review borrower health survey information, when applicable.

Loan Modifications & Special Situations:

  • Partner with Legal to support loan modifications, extensions, waivers, and amendments.
  • Coordinate documentation delivery to trustees and custodians as required.
  • Support internal underwriting and HUD teams during refinances or loan transitions.

Cross Functional Collaboration:

  • Respond to borrower inquiries and coordinate internally to resolve servicing needs.
  • Participate in process improvements and portfolio risk monitoring initiatives.
  • Travel periodically for site visits, borrower meetings, or internal collaboration.

Qualifications:

Education:

  • Bachelor’s degree in Finance, Accounting, Business, or a related field.

Experience:

  • 3–5+ years of experience in commercial lending, portfolio management, loan servicing, credit analysis, or commercial real estate finance.
  • Experience with bridge loans, construction lending, or transitional CRE assets strongly preferred.
  • Knowledge of loan restructuring, covenant compliance, forbearance agreements, and collection strategies preferred.
  • Working knowledge of loan documentation, covenant compliance, and cash management structures.

Technical Skills:

  • Proficiency in Microsoft Office (Excel, Word, Outlook).
  • Experience with loan servicing systems preferred.

Core Competencies:

  • Strong analytical, organizational, written, and verbal communication skills.
  • Detail oriented, proactive, and able to work independently in a fast-paced environment.
  • Strong borrower service orientation and professional judgment.

Work Environment:

  • Hybrid or in office work arrangement based on company policy.

Compensation & Benefits:

  • Salary range: $80,000 – $95,000.
  • Discretionary annual bonus.
  • Comprehensive benefits package, including medical, dental, vision, 401(k), unlimited PTO, and additional company benefits.

How to Apply:

Please submit your resume and a brief statement of interest to careers@xcalibercap.com.

Company Overview:

X-Caliber Rural Capital (XRC) is a licensed United States Department of Agriculture (USDA) lender that offers unique programs with attractive financing terms designed to support a wide scope of assistance to rural businesses and communities.

XRC is dedicated to providing funding to support the health and development of rural areas. The USDA defines rural as any town, village, city, or other population center with a threshold of 50,000 or less and not contiguous with another populated area based on the most recent census.

Position Summary:

The Loan Servicer supports the administration and ongoing servicing of XRC’s loan portfolio. This role is responsible for managing loan-level activity, maintaining accurate servicing system data, and ensuring timely and accurate borrower and investor reporting.

The ideal candidate is highly organized, detail-oriented, and comfortable working across multiple systems and internal teams. This position plays a key role in loan onboarding, payment reconciliation, escrow administration, and investor reporting while collaborating with Portfolio Management, Accounting, Finance, and Operations.

This position is based in our Timonium, Maryland office with a hybrid or remote work arrangement, as applicable, and reports to senior members of the Loan Servicing team.

Key Responsibilities:

Loan Servicing & Reconciliation:

  • Review and distribute monthly billing statements to borrowers, ensuring accuracy of interest accruals, escrow collections, and banking details 
  • Reconcile discrepancies in borrower payments in collaboration with Accounting 
  • Perform and review month-end reporting and distribute reports to Portfolio Managers and management as needed 
  • Track investor purchases, sales, and transfers within the servicing system

Loan Onboarding & System Management:

  • Manage new loan onboarding processes, including detailed data entry into the servicing system 
  • Coordinate welcome communications and onboarding meetings with internal stakeholders and borrowers 
  • Maintain accurate and up-to-date loan data, including borrower information, payment schedules, taxes, insurance, and banking details 
  • Input memos, reminders, and tracking notes within the servicing system 
  • Review draft loan documents for accuracy and completeness

Escrow & Asset Administration:

  • Prepare initial and semi-annual escrow analyses for applicable loans 
  • Coordinate escrow disbursements, including taxes, insurance, reserve payments, and related invoices (e.g., site visit expenses) 
  • Coordinate with Finance for approved escrow disbursements 
  • Track and monitor insurance, tax, and UCC filings and coordinate renewals with third-party providers 
  • Maintain accurate escrow-related data within the servicing system and ensure timely payments

Investor Reporting & Compliance:

  • Prepare and review monthly remittances to investors, including interest calculations and service fees 
  • Submit semi-annual status reports through USDA LINC with input from Portfolio Management 
  • Manage investor-related reports, consents, and notices 
  • Support audit requests for investors and borrowers by preparing documentation and responses

Cross-Functional & Audit Support:

  • Collaborate with Portfolio Management, Construction Administration, Finance, and Accounting on loan activity and disbursements 
  • Assist with construction loans, including draw fundings and conversion to permanent financing 
  • Support tracking and reconciliation of construction loan draw fundings within servicing systems, ensuring alignment with underlying loan balances 
  • Coordinate with trustees on securitizations as needed

Documentation, Systems & Client Support

  • Maintain document sharing systems (e.g., ShareFile, Egnyte), including establishing and managing access to loan files
  • Respond to borrower and agency inquiries, providing day-to-day servicing support and directing matters to Portfolio Management as appropriate
  • Assist senior management with special projects and initiatives

Qualifications:

Education:

  • Bachelor’s degree preferred
  • Finance or a related field a plus

Experience:

  • Experience in loan servicing or a related financial services environment preferred

Technical Skills:

  • Proficiency in Microsoft Office Suite, particularly Excel
  • Experience with loan servicing platforms such as Strategy by McCracken 
  • Experience with USDA LINC system a plus

Core Competencies:

  • Strong attention to detail, particularly in financial data and documentation 
  • Excellent organizational and analytical skills 
  • Strong written and verbal communication skills with the ability to interface with borrowers, investors, and internal teams 
  • Ability to collaborate across departments and manage multiple priorities 
  • Strong customer service mindset with responsiveness to borrower and agency needs 
  • Proactive mindset with the ability to work independently

Work Environment:

  • Fully remote role with optional hybrid work environment for candidates local to the Timonium, MD office
  • Occasional travel may be required for training, conferences, or company events.

Compensation & Benefits:

  • Salary range: $65,000 – $85,000
  • Discretionary annual bonus
  • Comprehensive benefits package including medical, dental, vision, 401(k), unlimited PTO, and additional company benefits

How to Apply:

Please submit your resume and a brief statement of interest to careers@xcalibercap.com.

Company Overview

X-Caliber Rural Capital (XRC) is a licensed United States Department of Agriculture (USDA) lender that offers unique programs with attractive financing terms designed to support a wide scope of assistance to rural businesses and communities. XRC is dedicated to providing funding to support the health and development of rural areas. The USDA defines a rural area as any town, village, city, or other population center with 50,000 or fewer residents that is not contiguous with a more densely populated area, based on the most recent census.

Position Summary

The Underwriting Manager supports the Vice President of Underwriting in managing the commercial loan underwriting function for X-Caliber Rural Capital, LLC and its affiliated lending platforms. The position is responsible for conducting complex credit analyses, preparing and reviewing credit memoranda, managing contract underwriters, and providing credit recommendations on a broad range of lending opportunities. This role works collaboratively with the Vice President of Underwriting, underwriting staff, risk management personnel, loan production teams, and other stakeholders to efficiently evaluate loan requests, identify and mitigate risk, and maintain consistent underwriting standards across all loan products. The position is expected to leverage technology, automation tools, and analytical platforms to improve underwriting efficiency, enhance credit analysis, and support the scalable growth of the organization.

Key Responsibilities

Credit Analysis & Underwriting

  • Conduct detailed financial, credit, collateral, and cash flow analyses for commercial lending opportunities across all lending programs offered by X- Caliber Rural Capital and affiliated entities.
  • Prepare clear, concise, and well-supported written credit memoranda that identify key risks, mitigants, strengths, and weaknesses of proposed transactions.
  • Review borrower, guarantor, and project information, including:
    • Historical and projected financial statements
    • Appraisals
    • Market studies
    • Industry and third-party diligence materials
  • Identify underwriting concerns and recommend appropriate loan structures, credit enhancements, guarantor support, collateral requirements, covenants, and other risk mitigants.
  • Assist in evaluating servicing requests, modifications, assumptions, renewals, and other portfolio management matters as needed.

Underwriting Leadership

  • Oversee and manage contract underwriters engaged by the company.
  • Provide guidance, direction, and training to contract underwriting resources.
  • Review, refine, and finalize credit analyses and underwriting memoranda prepared by contract underwriters to ensure quality, consistency, and compliance with company standards.
  • Collaborate with the Vice President of Underwriting to prioritize, assign, and efficiently allocate underwriting workloads to support production goals and service standards.
  • Promote consistency in underwriting methodology, documentation, and credit analysis across the underwriting team.

Credit Committee & Transaction Support

  • Support loan officers and other stakeholders throughout the underwriting and approval process.
  • Participate in transaction discussions and assist in responding to credit-related questions from internal stakeholders, executive management, and credit committee participants.
  • Assist loan officers in preparing for and presenting transactions to credit committees and other approval authorities.
  • Coordinate with legal, closing, servicing, portfolio management, and risk management teams throughout the underwriting process.

Collaboration & Process Improvement

  • Partner closely with the Vice President of Underwriting, underwriting team members, and risk management personnel to evaluate transactions and develop credit recommendations.
  • Collaborate with internal stakeholders to identify opportunities to improve underwriting workflows, efficiency, consistency, and scalability.
  • Assist in the development, refinement, and implementation of underwriting policies, procedures, best practices, and quality control standards.
  • Contribute to the ongoing enhancement of underwriting templates, analytical models, reports, and supporting tools.

Technology & Innovation

  • Utilize company-approved software platforms and analytical tools to review diligence materials, financial information, and supporting documentation.
  • Leverage technology and automation tools to improve efficiency, consistency, and accuracy within the underwriting process.
  • Assist in evaluating, implementing, testing, and improving underwriting technologies, including AI-enabled and automated credit analysis solutions.
  • Support the continued development of scalable workflows that enhance the underwriting function while maintaining sound credit risk management practices.

Qualifications

Education

  • Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field required.

Experience

  • Minimum 10 years of commercial lending, commercial credit underwriting, or commercial banking experience.
  • Demonstrated experience analyzing complex commercial credit transactions.
  • Experience supervising or managing contract underwriting resources, third-party vendors, or distributed underwriting teams preferred.
  • Experience with government-guaranteed lending programs, including USDA programs, SBA programs, or similar government-adjacent lending programs strongly preferred.
  • Experience evaluating commercial real estate, hospitality, renewable energy, agricultural, rural business, infrastructure, or specialty finance transactions preferred.

Technical Skills

  • Advanced financial analysis and credit underwriting capabilities.
  • Strong proficiency in Microsoft Office Suite, including Excel, Word, and Teams.
  • Openness to using AI-assisted analysis tools, automation platforms, and emerging diligence and analysis technologies.

Core Competencies

  • Strong commercial credit and risk assessment skills.
  • Exceptional analytical and problem-solving abilities.
  • Excellent written and verbal communication skills.
  • Sound judgment and attention to detail.
  • Ability to manage multiple transactions in a deadline-driven environment.
  • Strong organizational and project management capabilities.
  • Collaborative and team-oriented approach.
  • Continuous improvement mindset and willingness to adopt new technologies and processes.
  • Ability to work independently while maintaining strong communication with cross-functional teams.

Work Environment

  • Fully remote role with optional hybrid work environment for candidates local to the Timonium, MD or Irvington, NY offices
  • Occasional travel may be required for training, conferences, or company events.

Compensation & Benefits

  • Salary range: $125,000 – $160,000
  • Discretionary annual bonus
  • Comprehensive benefits package including medical, dental, vision, 401(k), unlimited PTO, and additional company benefits

How to Apply

Please submit your resume and a brief statement of interest to careers@xcalibercap.com. X-Caliber is an Equal Opportunity Employer. This job description is not intended to be an exhaustive list of duties and responsibilities and may be modified at any time. We are an Equal Opportunity Employer and are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, creed, religion, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, familial status, military or veteran status, domestic violence victim status, arrest or conviction record, or any other characteristic protected by applicable federal, state, or local law, including the New York State Human Rights Law. We are committed to providing reasonable accommodations to qualified individuals with disabilities and individuals with sincerely held religious beliefs or practices. This job

description is not intended to be an exhaustive list of duties and responsibilities and may be modified at any time.

X-Caliber is an Equal Opportunity Employer. This job description is not intended to be an exhaustive list of duties and responsibilities and may be modified at any time.

We are an Equal Opportunity Employer and are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, creed, religion, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, familial status, military or veteran status, domestic violence victim status, arrest or conviction record, or any other characteristic protected by applicable federal, state, or local law, including the New York State Human Rights Law. We are committed to providing reasonable accommodations to qualified individuals with disabilities and individuals with sincerely held religious beliefs or practices. This job description is not intended to be an exhaustive list of duties and responsibilities and may be modified at any time.

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Here’s What Employees Are Saying

X-Caliber has nurtured and sustained an award-winning working environment by focusing on building a team and culture that is committed to yielding results while practicing key values. The company is certified as a Great Place To Work® and has also named to the national Fortune Best Small Workplace list and to the New York Fortune Best Workplace list.

97% of employees at X-Caliber Capital say it is a great place to work compared to 57% of employees at a typical U.S.-based company.

X-Caliber
0%
Typical Company
0%
100%

When you join the company, you are made to feel welcome.

99%

Management is competent at running the business.

99%

Management trusts people to do a good job without watching over their shoulders.

99%

People here are given a lot of responsibility.

99%

Management is honest and ethical in its business practices.

See What Our Employees Say

“It’s amazing to work for a company that not only encourages learning and growth, but truly cares about its employees and their goals.”

Lawrence Zucker

“I enjoy working with my colleagues to be able to make an impact on our environment through our lending platforms. Through our C-PACE financing platform, we’re able to support energy efficiency; through USDA lending, we can promote investment in rural businesses, and as a HUD lender, we can help support affordable, market rate and seniors housing and healthcare. It is great to be part of an expert and growing team that is making a difference every day.”

Scott Crimmins

“At X-Caliber, I am learning from great leaders and the culture they have created is what sets it apart from the rest. I am proud to be part of a team that strives to reach their best potential.”

“X-Caliber is the only lender that offers Bridge, HUD, USDA, and C-PACE financing under one roof, and the team has some top experts in the country. The company’s expansive platform allows me to deliver optimal solutions across the capital stack for our borrowers. I am surrounded by a cohesive, collaborative environment, and I am proud to e part of a company with such strong integrity and core values.”

Alisa-Yoch

“X-Caliber has strong industry experience and supports a culture of learning. As a younger member of the organization, I value knowing I will have an immediate opportunity to perform well and the benefit of working side by side with veterans who will mentor me along the way.”

Rip Judge

“X-Caliber is a company with demonstrated growth that values its employees with a culture that promotes a healthy work and life balance. A fast-growing company brings an energy that makes for an exciting place to work. This preserves a healthy and positive atmosphere where every member of the team can excel.”

Kelley Martin
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