Senior 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 Senior Loan Processor & Underwriter to independently underwrite, process, structure, and close larger, more complex real estate transactions in a fast-paced lending environment.

The ideal candidate brings deep private money, hard money, bridge, or business-purpose mortgage lending experience and can manage sophisticated borrowers, ownership structures, and California collateral while driving speed, accuracy, and investor protection.

Qualifications

• Experience with private money, hard money, bridge, or business-purpose mortgage lending.
• Ability to underwrite, process, structure, and close complex real estate transactions.
• Experience with ownership structures, and California collateral.

Responsibilities

• Independently underwrite and process complex private lending transactions from accepted request through funding.
• Analyze borrower, sponsor, and guarantor strength, ownership structures, liquidity, source and use of proceeds, repayment ability, exit strategy, collateral, LTV, LTC, lien priority, and DSCR where applicable.
• Lead borrower and guarantor diligence, including interviews, business-purpose confirmation, deal structuring, risk assessment, and escalation of material credit, collateral, title, or compliance concerns.
• Coordinate commitments, applications, disclosures, checklists, appraisals, title, escrow, insurance, legal review, funding conditions, and final closing documentation.
• Maintain accurate daily pipeline updates, document activity in the CRM, support broker and borrower relationships, and help preserve a fast, responsive lending process.
• Mentor newer processors and contribute to refining underwriting templates, closing procedures, and file quality standards.

Skills

Underwriting

Loan processing

Credit analysis

Real estate finance

Relationship management

Education

Bachelor's degree in finance or related field

Tools

CRM software

MS Office

Job description

Job Summary

A direct hire opportunity is available for a Senior Loan Processor & Underwriter in Aliso Viejo, CA. This role is designed for a seasoned private lending professional who can independently underwrite, process, structure, and close larger, more complex real estate transactions.

The ideal candidate has deep experience with private money, hard money, bridge, commercial, or business-purpose mortgage lending and is comfortable managing sophisticated borrowers, complex ownership structures, and premium California real estate collateral.

This is a high-impact role in a fast-paced, relationship-driven lending environment where speed, accuracy, credit judgment, and investor protection are essential. The position offers the opportunity to own each transaction from accepted request through funding, serve as a senior resource to the team, and contribute to improved underwriting and closing processes.

Key Responsibilities

• Independently underwrite and process complex private lending transactions from accepted request through funding.
• Analyze borrower, sponsor, and guarantor strength, ownership structures, liquidity, source and use of proceeds, repayment ability, exit strategy, collateral, LTV, LTC, lien priority, and DSCR where applicable.
• Lead borrower and guarantor diligence, including interviews, business-purpose confirmation, deal structuring, risk assessment, and escalation of material credit, collateral, title, or compliance concerns.
• Coordinate commitments, applications, disclosures, checklists, appraisals, title, escrow, insurance, legal review, funding conditions, and final closing documentation.
• Maintain accurate daily pipeline updates, document activity in the CRM, support broker and borrower relationships, and help preserve a fast, responsive lending process.
• Mentor newer processors and contribute to refining underwriting templates, closing procedures, and file quality standards.

Compensation and Benefits

• Salary range: $110,000 to $140,000 per year.
• Job type: Direct hire.
• Location: Aliso Viejo, CA.

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.