Chief Financial Officer

Title: CFO Location: Remote Job Summary: Builder Circle is looking for a Chief Financial Officer to join our scaling team. This person will work closely with our Chief Capital Officer and will be responsible for the overall financial health of the business and will oversee liquidity and cash management, financial reporting and board communication. The ideal candidate will have experience in the RTL (residential transition loan) or hard money lending industry. This role will directly oversee the current finance team and report to the Chief Executive Officer. Key Responsibilities: Financial Strategy & Planning: Partner with the CEO, Chief Capital Officer and investors to build long-range financial models, set profitability targets, and align capital allocation with business growth goals. Cash Flow and Liquidity Management: Monitor cash inflows and outflows, manage working capital, and prevent liquidity bottlenecks. Budgeting & Forecasting: Design and oversee annual budgets, rolling forecasts, and scenario analyses (best-case, worst-case, and expected). Partner with senior stakeholders across the business to ensure financial consistency and accuracy. Financial Reporting: Produce monthly closes and audited financials. Tracks and reports financial covenants to capital providers and various other stakeholders. Profitability & Cost Control: Evaluate product/service pricing, identify operational inefficiencies, and implement cost-saving measures without sacrificing quality. Risk Management & Compliance: Ensure adherence to tax laws, regulatory reporting standards (IRS, local/state compliance), and internal financial controls. Reporting & Analytics: Translate complex financial data into actionable insights for the executive team and board of directors. Legal and Tax Structuring: Handle tax planning and regulatory filings (where applicable). Qualifications: Education: Bachelor’s degree in Finance, Accounting, Economics, or Business Administration; MBA, Master’s in Finance, CPA required. Experience: 8–10+ years of progressive financial leadership experience, with at least 3–5+ years as a CFO, VP of Finance within real estate finance, private lending, mortgage banking, or debt funds. Ideally 5-7+ years of direct people management experience.Technical Skills: most required, some preferred Deep mastery of real estate debt metrics (WACC, net interest margin, leverage yield, cohort analysis). Advanced proficiency in loan management software (e.g., The Mortgage Office, LoanPro, Applied Business Software), Salesforce, and financial modeling (Excel). Thorough knowledge of GAAP accounting standards specific to mortgage lending and financial instruments. Soft Skills: Ability to work in a start-up like environment with multiple priorities and ambitious targets. Strong interpersonal communication skills and ability to adapt across business priorities. Excellent team leadership and oversight within a small and growing team. Strong relationship-building skills with institutional and private lenders. High ethical standards, strategic vision, and composure during market volatility. About Builder Circle Builder Circle is a lending company that provides independent home builders, rehabbers, developers, and real estate investors with a better, more practical, and more efficient approach to the loan underwriting and construction draw processes. As experienced real estate lenders with deep roots in the home building industry, we have an intimate understanding of the challenges that our borrowers often face and how we can become a tremendous value-add to their growing businesses by eliminating common inefficiencies and providing fast, reliable capital. At Builder Circle we believe in establishing lasting relationships with our borrowers, and we have the capital, experience, and resources necessary to help them thrive. Equal Employment Opportunity Builder Circle is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.