Senior Private Mortgage Underwriter & Processor

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

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,