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.

  • 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.
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  • Outstanding Culture
    We pride ourselves in providing a fun-spirited, diverse, community-driven atmosphere with a work-life balance culture.
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  • Strong Mission and Values
    We offer an environment where you can grow and flourish with endless possibilities.
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  • Charitable Giving
    Service to others is important, and we strive to give back in meaningful ways.
    Learn More »

See Our Open Positions Below

XRC Senior Loan Officer

Summary: As directed by the President, the Senior Loan Officer, this role involves working closely with the borrowers to understand their financial needs, assessing their creditworthiness, and guiding them through the loan application process. The Senior Loan Officer utilizes in-depth knowledge of lending products, industry regulations, and market trends to make informed decisions on loan approvals.

Reports to: President – X-Caliber Rural Capital

Duties and Responsibilities:

  • Business Development from new referral sources and applicants
  • Partner with the Executive Manager to source and fund conventional loans in rural locations
  • Self-source USDA OneRD loan origination
  • Receive and oversee internal USDA OneRD loan referrals
  • Conduct thorough financial analysis, including reviewing credit reports, income statements and other documents to assess potential risks
  • Responsible for the entire loan origination process including but not limited to:
    • Sourcing loans
    • Structure
    • Pricing
    • Eligibility determination
    • Prescreen memo for leadership team and credit committee
    • Loan proposal creation and presentation
    • Term sheet creation and presentation
    • Deposit collection
    • Due diligence collection
    • Underwriting hand off and support
    • Facilitation of legal closing documents in partnership with outside legal firm
    • Interaction with closing team manager
    • Construction management hand off
    • Loan servicing hand off
  • Stay informed about relevant lending regulations
  • Actively seek opportunities to enhance processes, improve efficiency and contribute to the development of best practices

Job Qualifications:

  • 15+ years of experience
  • Bachelor’s degree in finance, business, or accounting
  • Proven experience as a Loan Officer with a strong track record in loan origination
  • In-depth knowledge of lending products, underwriting processes, and regulatory requirements
  • MBA a plus
  • USDA experience a plus but not required
  • Strong organizational, oral, and written communication skills
  • Strong customer communication/service skills
  • Detail oriented with the ability to think pro-actively and work independently

Salary range: $90,000-$110,000 base annual salary

  • Discretionary annual bonus
  • Medical, dental, 401K and other benefits
  • Unlimited PTO

X-Caliber is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics. You may view our Equal Employment Opportunity notice here. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local law.

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XRC Transaction Coordinator

Summary: As directed by the President, the Transaction Coordinator role involves working closely with the borrowers to understand their financial needs, assessing their creditworthiness, and guiding them through the loan application process. The Transaction Coordinator must be well organized and detail oriented to facilitate all aspects of the loan origination process.

Reports to: President – X-Caliber Rural Capital

Duties and Responsibilities:

  • Partner with the Executive Manager to source and fund conventional loans in rural locations
  • Entry and regular update of CRM records
  • Pipeline management and reporting
  • Responsible for facilitating the loan origination process including but not limited to:
    • Eligibility determination
    • Loan proposal creation and presentation
    • Term sheet creation and presentation
    • Deposit collection
    • Due diligence collection and oversight
    • Weekly or biweekly checklist and/or closing calls
    • Underwriting hand off and support
    • Interaction with closing team manager
    • Construction management hand off
    • Loan servicing hand off
  • Stay informed about relevant lending regulations
  • Actively seek opportunities to enhance processes, improve efficiency and contribute to the development of best practices

Job Qualifications:

  • 5+ years of experience
  • Bachelor’s degree in finance, business, or accounting
  • Proven experience as a loan transaction coordinator
  • Strong organizational, oral, and written communication skills
  • Strong customer communication/service skills
  • Detail oriented with the ability to think proactively and work independently

Salary range: $70,000-$90,000 base annual salary based on experience

  • Potential for commission
  • Medical, dental, 401K and other benefits
  • Unlimited PTO

X-Caliber is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics. You may view our Equal Employment Opportunity notice here. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local law.

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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.

98% of employees at X-Caliber 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%
98%

Management is approachable, easy to talk with.

98%

Management delivers on its promises.

98%

Management’s actions match its words.

98%

Our facilities contribute to a good working environment.

98%

People here are willing to give extra to get the job done.

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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