Underwriter
LBC Mortgage
Job Overview
Location
Remote
Employment Type
Full-time
Work Arrangement
Remote
Sector
Finance & Banking
Experience Level
Mid-level (3-5 years)
About the Company
Job Description
LBC Mortgage is seeking a skilled Hard Money Underwriter to join their dynamic team. This role is crucial for evaluating and approving private lending opportunities, ensuring both company protection and efficient deal progression.
As an Underwriter, you will be responsible for analyzing a variety of loan types, including Fix & Flip, Bridge, DSCR, Cash-Out, and Ground-Up construction loans. Your duties will involve meticulously reviewing borrower documentation, property details, and market data to make informed lending decisions.
You will collaborate closely with loan officers and processors to facilitate a smooth and rapid loan closing process. A keen eye for detail and the ability to identify potential risks early on are essential for success in this fast-paced environment.
To apply for this role, click the Apply button on this page and follow the instructions.
Required Skills
Key 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
Qualifications
- 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 & 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
How to Apply
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The real estate lending sector in the United States is experiencing robust growth, driven by demand for flexible financing solutions. This role is pivotal in assessing and managing the risks associated with hard money and private lending, directly impacting the company's profitability and expansion. Key technical areas include LTV, ARV, LTC calculations, rehab budget analysis, and understanding diverse loan structures like Fix & Flip, Bridge, and DSCR loans. Your expertise will be crucial in ensuring swift, accurate, and confident decision-making, contributing significantly to the company's ROI and market position in this dynamic sector.
Posted Date
April 14, 2026