mortgage loan underwriter

LBC Mortgage

<div>About LBC Mortgage
LBC Mortgage is a Los Angeles&ndash;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<ul><li>
Underwrite Hard Money / Private Money loans (Fix &amp; Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
</li><li>Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
</li><li>Analyze property details, exit strategies, deal structure, and overall risk
</li><li>Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
</li><li>Review appraisals, comps, and market data to confirm property value and feasibility
</li><li>Issue approvals and conditions, ensuring fast and clear communication with the team
</li><li>Work closely with Loan Officers, Processors, and Management to move loans efficiently
</li><li>Identify red flags early and provide clear recommendations
</li><li>Ensure adherence to internal guidelines and lending policies
</li></ul>Requirements<ul><li>
2+ years of underwriting experience in Hard Money / Private Lending (required)
</li><li>Strong understanding of Fix &amp; Flip and Bridge loan underwriting
</li><li>Ability to evaluate ARV-based deals, rehab scopes, and budgets
</li><li>Strong knowledge of appraisals, title reports, insurance, and entity structures
</li><li>Strong attention to detail and ability to work in a high-volume, fast-paced environment
</li><li>Excellent communication skills and ability to make confident decisions
</li></ul>Preferred Qualifications<ul><li>
Experience underwriting DSCR and rental investment loans
</li><li>Experience with Ground-Up Construction loans
</li><li>Familiarity with Encompass or other mortgage/loan CRM systems
</li><li>Strong knowledge of investor real estate lending across multiple states
</li></ul>Why Join LBC Mortgage<ul><li>
Established company with strong leadership and long-term stability
</li><li>Growing private lending division with strong pipeline
</li><li>Opportunity for career growth into Senior Underwriter / Underwriting Manager role
</li><li>Competitive compensation based on experience
</li><li>Remote flexibility and supportive team environment</li></ul></div>

Mortgage Underwriter

Sikorsky Financial Credit Union

<div>Why Join the Sikorsky Credit Union Team? 
Sikorsky Credit Union has been named the #1 Credit Union in Connecticut for 6 years in a row. We are one of the largest credit unions in the state, with over $1 billion in assets, and we continue to grow!
If you are passionate about helping people achieve their financial goals and want to make a difference in the local community, we want to hear from you! We are looking for talented people to help us improve the banking experience for our valued members.
Working at Sikorsky Credit Union has its benefits. You&rsquo;ll enjoy an awesome work-life balance, competitive pay, and an excellent benefits package that includes paid-time off, medical/dental, 401K plan with company match, tuition reimbursement and more! Please check out the details below to learn more about this position.
General Summary:<div>
The Consumer Lending Underwriter is responsible for underwriting secured and unsecured consumer loans in accordance with credit union underwriting standards and product guidelines.</div><div></div><div> 
Key Essential Responsibilities:</div><ul><li>
Effectively manages assigned pipeline within loan origination system (LOS). Completes all tasks in LOS queues to ensure a high level of service is provided to Digital, Branch, and Indirect lending business lines.</li><li>
Approves or denies auto loans (direct and indirect), personal loans, and credit cards up to designated lending authority.</li><li>
Ensures that consumer loan applications are underwritten and processed consistent with company guidelines, policies, and procedures to protect the credit union&rsquo;s loan portfolio.</li><li>
Communicates loan decisions to production team. Explores opportunities to assist credit union members or staff by recommending available products or services to meet member needs.
</li><li>Mitigates risk for the credit union by exercising sound judgment during credit application evaluations.</li><li>
Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management and vendors.</li><li>
Keeps abreast of industry developments including, but not limited to changes in regulations and technology.</li><li>
Ensures adherence to company policies and procedures and banking/credit union regulations.</li><li>
Performs additional duties as required.</li></ul><div></div><div> 
Essential Skills, Knowledge and Requirements:</div><ul><li>
High school diploma or equivalent. Associate&rsquo;s degree or relevant business coursework 
 preferred. Will consider experience in lieu of degree.</li><li>
Three years&rsquo; experience in retail banking, mortgage or consumer lending, or loan origination. Experience working as an underwriter (1 year) or within loan fulfillment team (processing, closing, funding).</li><li>
General knowledge of consumer loan products, features, and benefits. Knowledge of 
 consumer loan pricing, policies and procedures a plus. Working knowledge of consumer finance.</li><li>
Excellent organizational, problem solving, communication and time management skills. Ability to effectively multi-task.</li><li>
Familiarity with core banking and LOS systems (Fiserv DNA, CUDL/L360).</li><li>
Proficient in Microsoft Office applications.</li></ul>
Sikorsky Credit Union is an equal opportunity employer that is proud of its commitment to diversity and inclusion. Therefore, we welcome applicants from all communities, including age, color, ethnicity, familial or marital status, gender identity or expression, language, national origin, physical or mental disability, military or veteran status, race, religion, sexual orientation, and socioeconomic background.</div>

Consumer Lending Underwriter

First Western

<div>Mortgage Underwriter III

Location: Denver, CO (Remote)

Job Type: Full-time Non-Exempt

Salary: $38.47 - $57.70/HR *Actual offer will be based on experience, location, education, and/or skills* 


Applications should be submitted for consideration no later than 05/30/2026.

- 


Who We're Looking For

You're an experienced mortgage underwriting professional with deep knowledge of agency, investor, and insurer guidelines. You balance precision with efficiency, making sound, compliant credit decisions even on complex loan scenarios. You thrive in a fast‑paced, high‑volume environment, collaborate naturally with loan officers and processors, and bring strong analytical skills with a calm, solutions‑oriented mindset. If you excel at evaluating risk, upholding quality standards, and supporting a high‑performance lending team, this role is for you. 


About the Role

The Mortgage Underwriter III evaluates and renders credit decisions on 1&ndash;4 family residential mortgage loans across Jumbo, Conventional, Government, USDA Rural Housing, and Bank portfolio programs while ensuring compliance with investor, agency, and Bank policies. 


What You'll Do
<ul>
<li>Analyze borrower credit profiles, income, assets, collateral, and risk factors.</li>
<li>Issue credit decisions aligned with internal, investor, and insurer guidelines.</li>
<li>Partner with MLOs and Processors on complex or exception‑based loans.</li>
<li>Maintain adherence to department SLAs for communication, production, and turn‑</li>
<li>Prioritize daily workflow from a queue‑based system.</li>
<li>Complete required daily, monthly, and quarterly reporting.</li>
<li>Underwrite up to 60 new files monthly plus conditions and resubmissions.</li>
<li>Maintain up‑to‑date knowledge of regulations including TILA/RESPA, ECOA, and MDIA.</li>
<li>Practice First Line of Defense responsibilities, including fraud prevention.</li>
<li>Participate in compliance training and monitor for fraud indicators.</li></ul> 


What You Bring
<ul>
<li>Bachelor's degree preferred.</li>
<li>7&ndash;10 years recent residential mortgage underwriting experience (required).</li>
<li>Proficiency with Microsoft Office; Encompass experience preferred.</li>
<li>Ability to analyze complex tax returns (1120, 1120S, 1065).</li>
<li>Expertise in FNMA/FHLMC guidelines and DU/DO/LP.</li>
<li>Strong analytical, communication, and detail‑orientation skills.</li>
<li>Ability to work independently and manage multiple priorities.</li>
<li>Knowledge of GUS and Bond programs is a plus.</li>
<li>FHA Direct Endorsement required; VA LAPP/SAR and USDA preferred.</li>
</ul>
<h3 class="jobSectionHeader">What We Offer</h3>
<ul><li>Competitive base salary: $38.47 - $57.70/HR, plus strong bonus potential. 
</li>
401(k) plan with employer match. 
<li>
</li>
Paid parking and transportation benefits. 
<li>
</li>
Comprehensive health and wellness benefits, including: 
Health savings accounts (HSA) 
<li><ul><li>
</li>
Flexible spending accounts (FSA) 
<li>
</li>
Medical, dental, and vision coverage 
<li>
</li>
</ul></li>Generous paid time off and bank holidays. 
<li>
</li>
Access to training and professional development programs. 
<li>
</li>
Sponsorship and support for obtaining professional certifications. 
<li>
</li>
<li>A culture of collaboration, continuous improvement, and shared success.</li>
</ul>
____________________________________________________________________________________________<h3 class="jobSectionHeader"> 
</h3>
<h3 class="jobSectionHeader">Who We Are</h3>

At First Western Trust, we're more than just a financial institution&mdash;we're a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other's successes, welcome new ideas, and take personal ownership in everything we do. A genuine desire to positively impact our clients, communities, and one another drives our work. We meet challenges with a growth mindset, act with urgency and accountability, and constantly strive to raise the bar for ourselves and our clients.

Leadership at First Western means setting an example and fostering a culture of trust, transparency, and respect. Whether you're just beginning your journey or bringing years of experience, you'll find a welcoming community where your contributions are valued and your potential is boundless.

We expect our people to:
<ul>
<li>Demand and reward excellence.</li>
<li>Take action and responsibility.</li>
<li>Collaborate, communicate openly, and give/receive feedback with trust.</li>
<li>Go above and beyond to do what's right&mdash;always.</li>
</ul>
If that sounds like you, you'll fit right in.

Learn more at myfw.com or email Talent.Management@myfw.com.
<h3 class="jobSectionHeader">
Equal Opportunity Employer</h3>

First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status. For accommodation requests, please contact Talent.Management@myfw.com.</div>

Mortgage Underwriter III

American Equity Investment Life Holding Company

<div>At American Equity we offer leading annuity products that help empower our clients to fulfill their needs and wants in retirement. Our success comes from hiring high-energy individuals who embody the beliefs that drive our unique culture. We currently fund over half a million retirements nationwide, headquartered in Des Moines, Iowa, for over thirty years with satellite offices in Charlotte, NC and New York, NY.

GENERAL PURPOSE OF THE JOB:

Responsible for assisting with the management and servicing of the existing commercial real estate mortgage loan portfolio including the annual financial review and ongoing monitoring of the health of the portfolio, adherence to reporting requirements, and loan servicing requests. Also, working with Mortgage Originators to screen commercial mortgage loan opportunities through data input, research, and analysis.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Portfolio Management/Surveillance:
<ul>
<li>Assists with the portfolio management function for existing commercial mortgage loans and asset management of equity investments and provides ongoing analysis including the preparation of various recurring and ad hoc reports.</li>
<li>Participates in the annual financial review of the commercial mortgage loans in the portfolio.</li>
<li>Provides support for the quarterly review of loans on the Monitor List and Watchlist, and ongoing monitoring of the portfolio to identify heightened risk.</li>
<li>Assists the Mortgage Originators to complete credit analysis work for potential problem loans (e.g., discounted payoff, loan modification/restructure, maturity extension, note sale, foreclosure), and implement solutions.</li>
</ul>
Loan Servicing:
<ul>
<li>Works with the Mortgage Originators on commercial mortgage loan servicing issues and requests requiring underwriting input and approval.</li>
<li>Facilitates the monitoring of upcoming commercial mortgage loan maturities and payoffs and assists the Mortgage Originators with refinance requests.</li>
</ul>
Loan Origination:
<ul>
<li>Analyzes commercial mortgage loan requests through the review of loan packages; financial data input including property operating cash flow and rent rolls, quality and functionality of collateral, and sponsor commercial real estate expertise and financial strength.</li>
<li>Gathers and evaluates economic, demographic and other commercial real estate market data, and conducts other research as needed.</li>
<li>Contacts Correspondents to communicate progress of loan request/application and obtain any required information and documentation as needed.</li>
<li>Prepares pre-screening and approval presentation materials, including investment risk and viability, for review by the Mortgage Originators.</li>
<li>Works with the Mortgage Originators in the drafting of commercial mortgage loan applications.</li>
<li>Assists the Mortgage Originators and Commercial Mortgage Closing staff to follow the loan through the closing process including the review of third-party property reports and other due diligence items, and resolution of any closing issues.</li>
</ul>
Other:
<ul>
<li>Travels with Mortgage Originators as necessary.</li>
<li>Provides assistance on special projects and prepares reports as needed.</li>
<li>Performs other related work as assigned.</li>
</ul>
SUPERVISORY RESPONSIBILITIES:

Direct Reports: None

General Description of Indirect Reports (2 and 3-downs): None

EDUCATION AND/OR EXPERIENCE:

Bachelor's degree in Real Estate, Finance, Business Administration, Accounting or related field of study; plus, a minimum of one (1) year of related experience and/or training; or equivalent combination of education and experience.

CERTIFICATES, LICENSES, PROFESSIONAL DESIGNATIONS:

None required for this position.

KNOWLEDGE, SKILLS AND ABILITIES:
<ul><li>Strong analytical and research skills with ability to accurately assess risk factors.</li>
<li>Ability to apply advanced mathematical concepts and applications.</li>
<li>Strong attention to detail.</li>
<li>Proficient in the use of Microsoft Office applications with emphasis on Word, Excel and PowerPoint.</li>
<li>Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.</li>
<li>Ability to successfully handle pressure and meet deadlines in a fast-paced work environment.</li>
<li>Effective written and verbal communication skills with ability to effectively present information and respond to questions from individuals and groups.</li>
<li>Strong planning and organization skills with the ability to work on multiple assignments simultaneously.</li>
<li>Strong customer service orientation and interpersonal skills.</li>
<li>Ability to work cooperatively and successfully with co-employees and other outside third parties.</li>
<li>Ability to build and manage external business relationships.</li>
<li>Ability to travel up to 10% of the time.</li>
<li>Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.</li>
<li>Ability to write reports, business correspondence, and procedure manuals.</li>
<li>Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.</li>
</ul>
#LI-SD1<div>
At American Equity, our core values&mdash;Empowered, Passion, Integrity, and Caring&mdash;are more than words. They guide how we support one another and how we serve our clients every day. To learn more about American Equity, our culture, and our values, visit the Careers site.

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Mortgage Analyst I

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