Underwriting Specialist

LBC Mortgage

Hard Money Underwriter at LBC Mortgage specializing in private lending loans. Responsible for underwriting and analyzing property details while ensuring adherence to lending policies.

Posted 4/14/2026full-timeLos Angeles • California • 🇺🇸 United StatesJuniorMid-LevelWebsite

About the role

Key responsibilities & impact

Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
Analyze property details, exit strategies, deal structure, and overall risk
Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
Review appraisals, comps, and market data to confirm property value and feasibility
Issue approvals and conditions, ensuring fast and clear communication with the team
Work closely with Loan Officers, Processors, and Management to move loans efficiently
Identify red flags early and provide clear recommendations
Ensure adherence to internal guidelines and lending policies

Requirements

What you’ll need

2+ years of underwriting experience in Hard Money / Private Lending (required)
Strong understanding of Fix & Flip and Bridge loan underwriting
Ability to evaluate ARV-based deals, rehab scopes, and budgets
Strong knowledge of appraisals, title reports, insurance, and entity structures
Strong attention to detail and ability to work in a high-volume, fast-paced environment
Excellent communication skills and ability to make confident decisions

Benefits

Comp & perks

Established company with strong leadership and long-term stability
Growing private lending division with strong pipeline
Opportunity for career growth into Senior Underwriter / Underwriting Manager role
Competitive compensation based on experience
Remote flexibility and supportive team environment

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

underwritingHard Money loansPrivate Money loansFix & FlipBridge loansLTV calculationARV analysisrehab budgetsappraisalsmarket data analysis

Soft Skills

attention to detailcommunication skillsdecision makingteam collaborationrisk analysis