Senior Hard Money Underwriter, Remote, Growth Path

LBC Mortgage; California City (CA); Remote; USD 110,000 - 160,000; Full time

Benefits offered by this job

Remote flexibility

Competitive compensation

Job summary

LBC Mortgage, a Los Angeles–based lender with over 20 years in the industry, is seeking a Senior Hard Money Underwriter to independently underwrite complex private money loans and support junior underwriters. This role focuses on credit quality, collateral integrity, and rapid deal turnaround across Fix & Flip, Bridge, DSCR, and Ground-Up projects.

The ideal candidate brings 4+ years of hard money underwriting experience, deep ARV knowledge, and a proven track record in high-volume underwriting.

Qualifications

• 4+ years of hard money underwriting experience.
• Experience with ARV underwriting, rehab budgets, and investor deal analysis.
• Experience underwriting Fix & Flip and Bridge loans at volume.
• Knowledge of appraisals, title, insurance, entity documentation, and real estate investor structures.
• Ability to work independently and make confident credit decisions.
• Strong communication with internal teams, brokers, and borrowers.
• Highly organized with strong attention to detail and deadline management.

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.

Skills

Hard Money Underwriting

ARV Underwriting

Credit Analysis

Deal Analysis

Communication

Tools

Encompass

Calyx

Job description

LBC Mortgage, a Los Angeles–based lender with over 20 years in the industry, is seeking a Senior Hard Money Underwriter to independently underwrite complex private money loans and support junior underwriters. This role focuses on credit quality, collateral integrity, and rapid deal turnaround across Fix & Flip, Bridge, DSCR, and Ground-Up projects.

The ideal candidate brings 4+ years of hard money underwriting experience, deep ARV knowledge, and a proven track record in high-volume underwriting.