Our award-winning culture is dedicated to ensuring the most positive work atmosphere possible to nurture a supportive, productive, and committed team.
We offer:
We pride ourselves in providing a fun-spirited, diverse, community-driven atmosphere with a work-life balance culture.
Loan Servicer
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.
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.
Loan Servicing & Reconciliation:
Loan Onboarding & System Management:
Escrow & Asset Administration:
Portfolio Support, Borrower Monitoring & Credit Surveillance:
Investor and USDA Reporting & Compliance:
Cross-Functional & Audit Support:
Documentation, Systems & Client Support
Education:
Experience:
Technical Skills:
Core Competencies:
Work Environment:
Compensation & Benefits:
Please submit your resume and a brief statement of interest to careers@xcalibercap.com.
Underwriting Manager
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.
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.
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 Rural Capital 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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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 Capital say it is a great place to work compared to 57% of employees at a typical U.S.-based company.
Management is approachable, easy to talk with.
Management delivers on its promises.
Management’s actions match its words.
Our facilities contribute to a good working environment.
People here are willing to give extra to get the job done.
“It’s amazing to work for a company that not only encourages learning and growth, but truly cares about its employees and their goals.”
“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.”
“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.”
“X-Caliber Capital 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.”
“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.”
