Credit Analyst/Underwriter

At LendingOne, we don’t just lend capital—we fuel opportunity. Headquartered in sunny Boca Raton, FL, with additional offices in Charlotte, NC and Great Neck, NY, we’ve funded over $6 billion in real estate capital and earned recognition as one of the Sun Sentinel’s Top Workplaces—four years running!

As a direct private lender—not a broker, not a bank—we specialize in business-purpose mortgage loans for real estate investors, including fix-and-flip bridge loans and long-term rental financing.

Our mission is powered by our values:

• Speed & Ease – We simplify lending so clients can move fast and seize opportunities.
• Solutions Driven – We solve problems, not just process paperwork.
• Loyal Partners – We build trust, not just transactions.
• Authentic Experience – We stay real, reliable, and respectful—always.

We’re a fully funded, full-service lending partner—and we’re growing fast.

The Opportunity:

We’re seeking a skilled and detail-obsessed Credit Analyst/Underwriter who can dive into complex financials, spot potential risks, and deliver sound lending decisions—while working closely with our Sales team to help clients achieve their real estate investment goals.

If you’re the type who enjoys digging into the numbers, thrives under deadlines, and takes pride in delivering accurate, thoughtful evaluations, this role will give you both challenge and reward.

What You’ll Do:

• Perform full credit analysis and underwriting on business-purpose loans, evaluating borrowers and properties in detail.
• Review financial statements, analyze creditworthiness, and verify key data points such as acquisition costs, renovation budgets, rental income, and market comps.
• Identify risks and recommend alternative financing solutions when needed.
• Prepare clear and concise underwriting summaries with both quantitative and qualitative insights.
• Communicate underwriting decisions and rationale to internal stakeholders, particularly the Sales team.
• Review appraisal reports to ensure they meet company standards.
• Maintain productivity and turnaround times in line with department goals.
• Prioritize caseload effectively to meet multiple deadlines.

Requirements

• Minimum 3 years of underwriting experience within private lending.

• High attention to detail and accuracy in financial analysis.
• Strong critical thinking skills with the ability to identify inconsistencies and propose solutions.
• Excellent written and verbal communication skills.
• Ability to manage multiple priorities and deliver on tight timelines.
• Positive, team-oriented attitude with strong problem-solving skills.
• Proficiency in CRM systems and Microsoft Office/Google Workspace.
• Bonus points for experience with DSCR, Fix & Flip, and New Construction loans, or a degree in Finance, Business, or Economics.

Benefits

Why LendingOne:

• Competitive base salary and incentive structure
• Full medical, dental, and vision benefits
• Company-matching 401(k) plan
• Paid time off and 10 company-paid holidays
• Work-from-home Fridays
• Career development, training, and internal promotion opportunities
• Team-building events, company lunches, and swag
• Collaborative, inclusive, and fun workplace culture

LendingOne is proud to be an Equal Opportunity Employer. We’re committed to building a diverse and inclusive workforce where everyone belongs.