mortgage 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

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

Carrington Mortgage Services, LLC

<div>Come join our amazing team and work remote from home!
The Senior Loss Mitigation Underwriter will be responsible for underwriting loss mitigation applications in accordance with Treasury, Company and Investor guidelines while following company&rsquo;s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company&rsquo;s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $29.00 - $34.00 an hour.
The Senior Loss Mitigation Underwriter level is the senior level role in the job family and generally handles the most complex underwriting files while assisting in the training and growth of junior underwriters.
What you do:
<ul><li>Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines.
</li><li>Conduct Verification of Income (VOI).
</li><li>Calculate customer&rsquo;s front and back-end debt to income ratio.
</li><li>Verify occupancy, hardship and income.
</li><li>Apply payment waterfall to determine workout eligibility (repayment plans, forbearances, loan modifications or liquidation options).
</li><li>Assist in the processing and development of loans acquired from prior Servicer
</li><li>If applicable, identify the type(s) and amounts of liquid assets the borrower holds.
</li><li>Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.).
</li><li>Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines.
</li><li>Document final decision and update system of record.
</li><li>Function as the subject matter expert for Loss Mitigation underwriting.
</li><li>Perform other duties as assigned.
</li></ul>What you'll need:
<ul><li>High school diploma or equivalent required
</li><li>Four (4) plus years of underwriting experience or servicing/loss mitigation. 
</li></ul> 
Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you&rsquo;ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com .
What We Offer:
<ul><li>Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
</li><li>Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
</li><li>Customized training programs to help you advance your career.
</li><li>Employee referral bonuses so you&rsquo;ll get paid to help Carrington and Vylla grow.
</li><li>Educational Reimbursement.
</li>Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. 
<li>
</li></ul>#Carrington 
#LI-GV1</div>

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