Mortgage Underwriter
LBC Mortgage, Orange, CA, United States
About LBC Mortgage
LBC Mortgage is a Los Angeles-based mortgage company with over
20 years of industry experience . Alongside our traditional mortgage business, we operate a fast-growing
Private Money / Hard Money Lending Division , focused on funding real estate investment loans with speed, accuracy, and strong risk management.
We are looking for a skilled
Hard Money Underwriter
who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving.
Responsibilities
Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
Analyze property details, exit strategies, deal structure, and overall risk
Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
Review appraisals, comps, and market data to confirm property value and feasibility
Issue approvals and conditions, ensuring fast and clear communication with the team
Work closely with Loan Officers, Processors, and Management to move loans efficiently
Identify red flags early and provide clear recommendations
Ensure adherence to internal guidelines and lending policies
Requirements
2+ years of underwriting experience in Hard Money / Private Lending (required)
Strong understanding of Fix & Flip and Bridge loan underwriting
Ability to evaluate ARV-based deals, rehab scopes, and budgets
Strong knowledge of appraisals, title reports, insurance, and entity structures
Strong attention to detail and ability to work in a high-volume, fast-paced environment
Excellent communication skills and ability to make confident decisions
Preferred Qualifications
Experience underwriting DSCR and rental investment loans
Experience with Ground-Up Construction loans
Familiarity with Encompass or other mortgage/loan CRM systems
Strong knowledge of investor real estate lending across multiple states
Why Join LBC Mortgage
Established company with strong leadership and long-term stability
Growing private lending division with strong pipeline
Opportunity for career growth into Senior Underwriter / Underwriting Manager role
Competitive compensation based on experience
Remote flexibility and supportive team environment
#J-18808-Ljbffr
20 years of industry experience . Alongside our traditional mortgage business, we operate a fast-growing
Private Money / Hard Money Lending Division , focused on funding real estate investment loans with speed, accuracy, and strong risk management.
We are looking for a skilled
Hard Money Underwriter
who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving.
Responsibilities
Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
Analyze property details, exit strategies, deal structure, and overall risk
Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
Review appraisals, comps, and market data to confirm property value and feasibility
Issue approvals and conditions, ensuring fast and clear communication with the team
Work closely with Loan Officers, Processors, and Management to move loans efficiently
Identify red flags early and provide clear recommendations
Ensure adherence to internal guidelines and lending policies
Requirements
2+ years of underwriting experience in Hard Money / Private Lending (required)
Strong understanding of Fix & Flip and Bridge loan underwriting
Ability to evaluate ARV-based deals, rehab scopes, and budgets
Strong knowledge of appraisals, title reports, insurance, and entity structures
Strong attention to detail and ability to work in a high-volume, fast-paced environment
Excellent communication skills and ability to make confident decisions
Preferred Qualifications
Experience underwriting DSCR and rental investment loans
Experience with Ground-Up Construction loans
Familiarity with Encompass or other mortgage/loan CRM systems
Strong knowledge of investor real estate lending across multiple states
Why Join LBC Mortgage
Established company with strong leadership and long-term stability
Growing private lending division with strong pipeline
Opportunity for career growth into Senior Underwriter / Underwriting Manager role
Competitive compensation based on experience
Remote flexibility and supportive team environment
#J-18808-Ljbffr