Senior Underwriter
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LBC Mortgage
California City, CA, US
Summary
Independently underwrite and approve complex private money loans, including Fix & Flip and Bridge loans, while ensuring strong credit and collateral decisions. The role also involves mentoring junior underwriters and collaborating with internal teams to optimize pipeline efficiency.
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
At LBC Capital Income Fund, we're your trusted gateway to safer investments in trust deeds. Our mission is to provide a secure and reliable avenue for investors seeking steady income and capital preservation. Backed by decades of experience, our expertly managed fund specializes in real estate-backed loans, offering an attractive 8+% annual return. Whether you're a high-net-worth individual, retiree, or seeking portfolio diversification, our innovative approach aligns with your goals. Join us in redefining investment success with a focus on security, growth, and long-term prosperity. Explore the potential of trust deed investments with LBC Capital Income Fund today.
Founded
2003
Company size
11-50 employees
Industry
Financial Services
Org type
Privately Held
Headquarters
North Hollywood, CA
At LBC Capital Income Fund, we're your trusted gateway to safer investments in trust deeds. Our mission is to provide a secure and reliable avenue for investors seeking steady income and capital preservation. Backed by decades of experience, our expertly managed fund specializes in real estate-backed loans, offering an attractive 8+% annual return. Whether you're a high-net-worth individual, retiree, or seeking portfolio diversification, our innovative approach aligns with your goals. Join us in redefining investment success with a focus on security, growth, and long-term prosperity. Explore the potential of trust deed investments with LBC Capital Income Fund today.
Founded
2003
Company size
11-50 employees
Industry
Financial Services
Org type
Privately Held
Headquarters
North Hollywood, CA
