LBC Mortgage

Arranges mortgages and offers private property financing

Senior Hard Money Underwriter

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeLos Angeles, CA, USANo salary listed

About the Job

Requirements

At least 4 years of hard money or private money underwriting experience.
Strong expertise in after-repair value underwriting, rehabilitation budgets, and investor deal analysis.
Proven experience underwriting fix-and-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.

Responsibilities

Independently underwrite and approve hard money or private money loans, including fix-and-flip, bridge, debt-service-coverage-ratio, ground-up construction, and cash-out loans.
Review complete loan packages, including borrower profiles, entity structures, credit, liquidity, and exit strategies.
Analyze collateral, appraisals, comparable sales, market conditions, rehabilitation budgets, and timelines.
Calculate and validate loan-to-value, after-repair value, loan-to-cost, 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.

Desired Qualifications

Experience underwriting ground-up construction loans.
Experience underwriting debt-service-coverage-ratio or rental portfolio loans.
A background in mortgage underwriting.
Familiarity with Encompass, Calyx, or other loan origination systems.

Senior Underwriter

LBC Mortgage · Los Angeles, United States · — · Posted 2026-05-08

Workplace: on_site

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

Apply

Apply at LBC Mortgage

About the Company

LBC Mortgage

Arranges mortgages and offers private property financing

LBC Mortgage arranges purchase and refinance financing for home buyers, property owners and real estate investors. Operating as LBC Solutions, the company compares mortgage options through a network of lending partners and helps applicants prepare documents and move through closing. It works with conventional and government-backed mortgages as well as alternative-income and investment-property programs for borrowers whose needs fall outside standard bank products. The business also offers private property financing through a fund it manages, alongside its brokerage services. LBC Mortgage is headquartered in Los Angeles, California, and serves borrowers across multiple states.

Company size: 11-50
Company stage: Not listed
Total funding: Not listed
Headquarters: North Hollywood, CA
Founded: Not listed

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