Senior Underwriter Job at LBC Mortgage, California City, CA

SExNTlY3dkthR0lWc0dDekJMM2JlSGY4SUE9PQ==
  • LBC Mortgage
  • California City, CA

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

Job Tags

Similar Jobs

FedEx Supply Chain

Warehouse Worker Job at FedEx Supply Chain

 ...range of motion throughout the warehouse environment Ability to lift/carry items up to 50 pounds Equal Opportunity Employer FedEx Supply Chain, Inc. is an Equal Opportunity Employer, including veterans and individuals with disabilities. Know Your Rights Pay... 

One Off Hospitality Group

Recruiter Job at One Off Hospitality Group

 ...creators who believe in the power of treating our guests like family and our restaurants like home. REPORTS TO: Director of People Services FLSA: EXEMPT POSITION SUMMARY: The Recruiter manages full-cycle recruitment for One Off Hospitality locations. This... 

SaidGig

Mass Spectrometry Scientist Job at SaidGig

 ...train, evaluate, and enhance AI models that support scientific research and analytical workflows. Develop, review, and validate...  ...or similar tools. Background in proteomics, metabolomics, pharmaceutical, or environmental analysis using mass spectrometry. Familiarity... 

TransPerfect

Digital Forensics Intern Job at TransPerfect

 ...Job description The Digital Forensics Intern is responsible for assisting the team with the forensic preservation of digital media devices...  ...preferred concentrations: Digital/Computer Forensics Computer Science Engineering Information Technology or Management of Information... 

ARIA Signs and Design, LLC

Videographer / Photographer Job at ARIA Signs and Design, LLC

 ...Job Title: Videographer / Photographer Location: Houston, TX Job Type: Full-Time About Us: At Aria Signs & Design, we dont just offer services we own every step. From concept to install, we bring creative vision and technical precision together in one...