Senior Underwriter
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Overview
Job Description
About LBC Mortgage
LBC Mortgage 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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