Loan Underwriting & Closing Manager

AppleOne Employment Services; Aliso Viejo (CA); On-site; USD 120,000 - 140,000; Full time

Job summary

AppleOne Employment Services in Aliso Viejo, CA seeks an experienced Loan Underwriting & Closing Manager to own the full loan lifecycle for complex real estate deals. The role focuses on underwriting, structuring, processing, and closing high-value private lending transactions in a fast-paced environment.

The ideal candidate has 5–7+ years in private money or hard money lending, deep knowledge of LTV, DSCR, title, and ownership structures, and strong CRM/Excel software skills.

Qualifications

• Manage business-purpose and investment-purpose real estate loans from initial request through funding.
• Underwrite, structure, process, and close complex private lending transactions.
• Support a high-volume pipeline with approx. $150M in annual closed loan volume.
• Move qualified transactions quickly with prompt initial response and fast launch to closing.
• 5–7+ years in private money, hard money, bridge, or commercial/mortgage lending.
• Proven experience underwriting and closing real estate loans of $2.5M+.
• Strong borrower/guarantor analysis, collateral review, liquidity, LTV, title, and exit strategies.
• Knowledge of LLCs, LPs, trusts, syndications, and complex ownership structures.
• Strong loan documentation, title, escrow, appraisals, and closing procedures.
• Ability to manage multimillion-dollar transactions with minimal supervision.
• CRM and pipeline systems proficiency; Excel; mortgage-industry software.

Responsibilities

• Underwrite borrowers, guarantors, collateral, liquidity, sources and uses, and credit risk.
• Structure loan amounts, pricing, terms, reserves, and risk protections.
• Manage full closing process: commitments, appraisals, title, escrow, insurance, and funding conditions.
• Review title, appraisals, loan documents, and entity structures for risks.
• Maintain pipeline and CRM with timely status updates to brokers, borrowers, vendors and teams.
• Mentor junior team members and drive improvements to underwriting, processing and closing.

Skills

Real estate lending

Underwriting

Loan pipeline

Speed to close

Private money lending

Real estate loan closing

Borrower analysis

Complex ownership structures

Loan documentation

Multimillion-dollar deals

CRM proficiency

MS Excel

Education

Bachelor’s degree in Finance

Tools

CRM software

Microsoft Excel

Mortgage software

PDF tools

Job description

Job Summary

We are seeking an experienced Loan Underwriting & Closing Manager for a direct hire opportunity in Aliso Viejo, CA. This senior-level role is ideal for a private lending, hard money, bridge lending, commercial mortgage, or business-purpose real estate lending professional who can independently underwrite, structure, process, and close complex real estate loans. This position offers the opportunity to manage high-value transactions, protect investor capital, and play a key role in a fast-paced lending environment. The ideal candidate will thrive in a professional, high-accountability setting where sound judgment, responsiveness, organization, and collaboration are essential to success. This is a strong opportunity for a decisive underwriting and closing leader who wants ownership of the full loan lifecycle and the ability to influence process improvement, deal quality, and funding efficiency.

Key Responsibilities

• Underwrite borrowers, guarantors, collateral, liquidity, sources and uses, repayment ability, exit strategies, LTV, LTC, DSCR, and overall credit risk.
• Conduct borrower and guarantor interviews and assist with structuring loan amounts, pricing, terms, reserves, and risk protections.
• Manage the full closing process, including commitments, borrower packages, appraisals, title, escrow, insurance, legal documentation, and funding conditions.
• Review title, appraisals, loan documents, and entity structures to identify, resolve, and elevate potential risks.
• Maintain an accurate pipeline and CRM while providing timely status updates to brokers, borrowers, vendors, and internal teams.
• Mentor junior team members and support improvements to underwriting, processing, and closing procedures.

Compensation and Benefits

• Salary range: $120,000 to $140,000 per year.
• Job type: Direct hire.

Required Qualifications and Skills

• Manage business-purpose and investment-purpose real estate loans from initial request through funding.
• Underwrite, structure, process, and close complex private lending transactions.
• Support a high-volume pipeline with expected annual closed loan volume of approximately $150M.
• Help qualified transactions move quickly, including initial response or term sheet within approximately one business hour, launch within one business day, and closing in approximately 10 business days, subject to borrower and third‑party cooperation.
• 5 to 7+ years of experience in private money, hard money, bridge, commercial, or business-purpose mortgage lending.
• Proven experience underwriting and closing real estate loans of $2.5M+.
• Strong understanding of borrower and guarantor analysis, collateral review, liquidity, LTV, title, exit strategies, and income-property analysis.
• Knowledge of LLCs, LPs, trusts, syndications, and other complex ownership structures.
• Strong knowledge of loan documentation, title, escrow, appraisals, insurance, and real estate loan closing procedures.
• Ability to manage multimillion‑dollar transactions with minimal supervision while protecting investor capital.
• Proficiency with CRM and pipeline systems, Microsoft Excel, Microsoft Word, PDF tools, and mortgage‑industry software.
• Excellent communication, organization, problem‑solving, decision‑making, and follow‑through skills.
• Decisive, analytical, trustworthy, proactive, and comfortable working in a fast‑paced lending environment.
• Knowledge of applicable business‑purpose lending and California compliance requirements.

Preferred Qualifications

• Bachelor’s degree in Finance, Real Estate, Accounting, Business, or a related field.
• Experience mentoring junior underwriting, processing, or closing team members.
• Experience improving underwriting, closing, CRM, or pipeline management procedures.

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available here: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here: https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

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.

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.

AppleOne participates in the E‑Verify program in certain locations as required by law. Learn more about the E‑Verify program. https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

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.