Mortgage Underwriter

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
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