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 (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