Senior Underwriter
LBC Mortgage
- Los Angeles, California, United States
- Los Angeles, California, United States
Über
is a Los Angeles–based mortgage company with over
20 years of industry experience . Our
Private Lending Division
is rapidly growing and focused on funding real estate investor loans nationwide, including Fix & Flip, Bridge, DSCR, and Ground-Up Construction.
We are looking for an experienced
Senior Hard Money Underwriter
who can independently underwrite complex deals, support junior underwriters, and ensure strong credit and collateral decisions while keeping the pipeline moving quickly.
Key Responsibilities
Independently underwrite and approve
Hard Money / Private Money loans
(Fix & Flip, Bridge, DSCR, Ground-Up, Cash-Out, etc.)
Review full loan packages including borrower profile, entity structure, credit, liquidity, and exit strategy
Analyze collateral, appraisals, comps, market conditions, rehab budgets, and timelines
Calculate and validate
LTV, ARV, LTC , and deal profitability
Identify risk factors early and provide clear recommendations to leadership
Issue approvals, conditions, and exceptions in line with company guidelines
Collaborate with Loan Officers, Processors, and Closing teams to ensure fast turn times
Assist in training, mentoring, and supporting junior underwriters
Participate in improving underwriting processes, policies, and efficiency
Ensure loan files meet internal requirements and compliance standards
Requirements
4+ years of Hard Money / Private Money underwriting experience
(required)
Strong expertise in
ARV underwriting , rehab budgets, and investor deal analysis
Proven experience underwriting
Fix & Flip and Bridge loans
at volume
Strong knowledge of appraisals, title, insurance, entity documentation, and real estate investor structures
Ability to work independently and make confident credit decisions
Strong communication skills with internal teams, brokers, and borrowers
Highly organized with strong attention to detail and deadline management
Preferred Qualifications
Experience underwriting
Ground-Up Construction loans
Experience underwriting
DSCR / rental portfolio loans
Background in mortgage underwriting is a plus
Familiarity with Encompass, Calyx, or other loan origination systems
Why Join LBC Mortgage
Stable company with 20+ years in the lending industry
Rapidly growing Private Lending Division with strong deal flow
Competitive compensation based on experience
Remote flexibility
Opportunity to grow into
Underwriting Manager / Credit Lead
role
High-impact position with direct influence on loan quality and performance
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Sprachkenntnisse
- English
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