Loan Processor & Underwriter

AppleOne Employment Services; Aliso Viejo (CA); On-site; USD 110,000 - 140,000; Full time

Job summary

AppleOne Employment Services in Aliso Viejo, CA seeks a seasoned Loan Processor & Underwriter to independently underwrite, process, and close high-value private real estate transactions ranging from $1.5M to $5M. This senior role requires disciplined file management, strong credit judgment, and the ability to move quickly without sacrificing investor protections.

You will work with brokers, borrowers, title/escrow partners, and investors to ensure accurate, timely closings in a fast-paced,

Qualifications

• Underwrite private lending transactions and assess borrower strength, liquidity, and collateral.
• Lead file from request through funding, including diligence, deal structuring, and closing.
• Prepare concise credit analyses with clear rationale for approval/revision/decline.
• Conduct borrower/guarantor interviews to confirm character and deal complexity.
• Maintain pipeline discipline and update CRM with activity.

Responsibilities

• Independently underwrite private lending by analyzing borrower strength, guarantor support, liquidity, collateral, LTV/LTC, repayment ability, source and use of proceeds, and exit strategy.
• Own each file from request through funding, including diligence, deal structuring, and closing.
• Prepare concise credit analyses and recommend approval, revision, or decline with clear rationale.
• Lead borrower and guarantor interviews to confirm character, experience, business purpose, use of proceeds, and transaction complexity.
• Maintain daily pipeline discipline, provide file updates, document activity in the CRM, and support relationships.
• Identify and escalate material credit, collateral, title, documentation, or compliance concerns while maintaining complete files.

Skills

Underwrite loans

Credit analysis

CRM usage

Deal structuring

Borrower interviews

Tools

CRM

Job description

Job Summary

We are seeking a seasoned Loan Processor & Underwriter for a direct hire opportunity in Aliso Viejo, CA. This role is ideal for an experienced private lending, hard money, bridge, commercial, or business-purpose mortgage professional who can independently underwrite, process, and close larger, more complex real estate transactions. This position supports high-value California real estate lending, with typical loan sizes ranging from $1.5M to $5M and an expected annual closed origination volume of approximately $150M. The ideal candidate brings strong credit judgment, disciplined file management, and the ability to move quickly without sacrificing accuracy or investor protection. This is a senior, hands-on role in a fast-paced, relationship-driven lending environment. Candidates who thrive here are decisive, detail-oriented, highly organized, and comfortable working with sophisticated borrowers, brokers, ownership structures, title issues, and closing conditions. The team values responsiveness, accountability, clear communication, and practical problem-solving.

Key Responsibilities

• Independently underwrite private lending transactions by analyzing borrower strength, guarantor support, liquidity, collateral, LTV/LTC, repayment ability, source and use of proceeds, and exit strategy.
• Own each file from accepted request through funding, including borrower diligence, deal structuring, documentation, appraisal, title, escrow, insurance, legal review, and closing coordination.
• Prepare concise credit analyses and recommend approval, revision, or decline with clear supporting rationale.
• Lead borrower and guarantor interviews to confirm character, experience, business purpose, use of proceeds, and transaction complexity.
• Maintain daily pipeline discipline, provide concise file updates, document all activity in the CRM, and support strong broker, borrower, and investor relationships.
• Identify and escalates material credit, collateral, title, documentation, or compliance concerns while maintaining complete files with no preventable closing errors.

Compensation and Benefits

• Salary range: $110,000 to $140,000 per year.
• Job type: Direct hire.
• Location: Aliso Viejo, CA.
• For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

Equal Opportunity Employer / Disabled / Protected Veterans

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We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

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We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.