# Underwriting Specialist

**Company:** [LBC Mortgage](http://jobs.workable.com/companies/7xJ8D7M5WBBiFa9iTcKAnr.md)
**Location:** Orange, United States
**Workplace:** hybrid
**Employment type:** Full-time

[Apply for this job](http://jobs.workable.com/view/0dac8c73-6cdc-4840-addc-ea70bd63f222)

## Description

### About LBC Mortgage

**LBC Mortgage** is a Los Angeles–based mortgage company with over **20 years of industry experience**. Alongside our traditional mortgage business, we operate a fast-growing **Private Money / Hard Money Lending Division**, focused on funding real estate investment loans with speed, accuracy, and strong risk management.

We are looking for a skilled **Hard Money Underwriter** who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving.

### Responsibilities

-   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

-   **2+ years of underwriting experience in Hard Money / Private Lending / Commercial** (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

### Preferred Qualifications

-   Experience underwriting **DSCR** and rental investment loans
-   Experience with **Ground-Up Construction loans**
-   Familiarity with Encompass or other mortgage/loan CRM systems
-   Strong knowledge of investor real estate lending across multiple states

### Why Join LBC Mortgage

-   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