# 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](https://apply.workable.com/lbc-mortgage/j/5EFF234629/apply)

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