Job Summary
We are seeking an experienced Loan Underwriter and Processor for a direct hire opportunity in Aliso Viejo, CA. This role is ideal for a seasoned private lending, hard money, bridge, commercial, or business-purpose mortgage professional who can independently underwrite, process, structure, and close larger, more complex real estate transactions.
The Loan Underwriter and Processor will manage loans typically ranging from $1.5M to $5M, working with sophisticated borrowers, ownership structures, brokers, investors, title, escrow, appraisers, insurance providers, and legal partners. This is a high-impact role for someone who combines disciplined credit judgment, strong transaction ownership, and the ability to move quickly without sacrificing accuracy or investor protection.
This opportunity offers a professional, performance-driven environment where sound judgment, accountability, teamwork, and clear communication are highly valued. The right candidate will thrive in a culture that rewards ownership, responsiveness, integrity, and the ability to serve as a trusted resource to brokers, borrowers, investors, executives, and internal team members.
Key Responsibilities
- Independently underwrite business-purpose real estate loans by analyzing borrower strength, guarantor support, liquidity, ownership structure, source and use of funds, repayment ability, collateral quality, LTV, LTC, DSCR, and exit strategy.
- Lead borrower and guarantor diligence, including interviews, business-purpose confirmation, deal structuring, risk review, and escalation of material credit, collateral, title, or compliance concerns.
- Manage each transaction from accepted request through funding, including commitments, applications, disclosures, borrower checklists, appraisals, title, escrow, insurance, legal review, and closing conditions.
- Review appraisals, preliminary title reports, entity documents, insurance, loan documents, lien priority, vesting, exceptions, and funding conditions with a high level of accuracy.
- Maintain daily pipeline updates, lead origination status meetings, document activity in CRM, and communicate proactively with brokers, borrowers, investors, and internal stakeholders.
- Support continuous improvement by mentoring newer processors and helping refine underwriting templates, closing procedures, and file quality standards.
Compensation and Benefits
- Salary range: $110,000 to $140,000 per year.
- Employment type: Direct hire.
- Location: Aliso Viejo, CA.
Equal Opportunity Employer / Disabled / Protected Veterans
The Know Your Rights poster is available here:
https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf
The pay transparency policy is available here:
https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf
For temporary assignments lasting 13 weeks or longer, the Company is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.
We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.
AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program.
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf
We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.
#1006
