[Remote] Chief Financial Officer

Note: The job is a remote job and is open to candidates in USA. Builder Circle is a lending company seeking a Chief Financial Officer to oversee the business’s financial health, liquidity and cash management, financial reporting, and board communication. The CFO will lead the finance team, partner with executive leadership and investors on financial strategy, and report to the Chief Executive Officer.

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)

Skills

• The ideal candidate will have experience in the RTL (residential transition loan) or hard money lending industry
• Bachelor's degree in Finance, Accounting, Economics, or Business Administration
• MBA, Master's in Finance, CPA required
• 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
• 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
• 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
• Ideally 5-7+ years of direct people management experience

Benefits

• Remote work

Company Overview