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Senior Loan Processor & Underwriter
Job Location:
Job Location:
Aliso Viejo, CA - USA
Yearly Salary:
USD 110000 - 140000
Yearly Salary:
Posted:
8 September 2026 (17 hours ago)
Posted:
Application Deadline:
6 December 2026
Application Deadline:
Vacancies:
1 Vacancy
Vacancies:
Job Summary
We are a professional staffing firm working with organizations across the country to place exceptional candidates. Currently we have a Senior Loan Processor & Underwriter opportunity with our private lending client where you will own complex high-value transactions ($2.5M$5M) from underwriting through funding.
We are looking for a seasoned private-lending professional to independently evaluate sophisticated borrowers intricate ownership structures and premium California real estateapplying real credit judgment and decisive problem-solving to protect investor capital while delivering exceptional speed and service.
The Senior Loan Processor & Underwriter will be responsible for below duties.
Your specific duties will include:
Compensation may vary outside of this range depending on a number of factors including a candidates qualifications skills competencies and experience and location. Employees have access to healthcare benefits including medical dental and vision as well as a 401(k) plan.
Let one of our recruiters assist you in finding and preparing for interviews with our clients. Whether you are interested in a direct hire temp-to-hire or temporary position Workway can help you to put your best foot forward. Contact us today!
Workway Inc. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender gender identity national origin disability protected veteran status or any other characteristic protected by applicable laws regulations and ordinances. For our complete EEO & Pay Transparency statement please visit . To receive state and federal compliance posters e-mail or call 972.514.1515.
We collect personal information as part of the application and hiring process. For details about the categories of information collected purposes of use and your rights under law please review our Candidate Privacy Act Disclosure Notice: Privacy Policy
#MortgageJobs #PrivateLending #MortgageOperations #SeniorLoanProcessor #MortgageUnderwriter #CommercialLending #RealEstateFinance #LoanOperations #CreditUnderwriting #FinancialServicesJobs #CaliforniaJobs #OrangeCountyJobs #NowHiring #HiringNow #Workway
We are looking for a seasoned private-lending professional to independently evaluate sophisticated borrowers intricate ownership structures and premium California real estateapplying real credit judgment and decisive problem-solving to protect investor capital while delivering exceptional speed and service.
The Senior Loan Processor & Underwriter will be responsible for below duties.
Your specific duties will include:
- Underwriting & credit judgment analyze borrower/sponsor/guarantor strength ownership structure liquidity source and use of proceeds repayment ability and exit strategy; evaluate collateral LTV/LTC lien priority and cash flow/DSCR where applicable; review appraisals critically rather than at face value; prepare concise credit analyses and recommend approve revise or decline with clear rationale.
- Borrower diligence & deal structuring lead borrower/guarantor interviews covering character experience use of proceeds and business-purpose confirmation; recognize complex issues (trusts multiple guarantors subordinate financing cross-collateralization); help structure amount pricing term reserves covenants and protections appropriate to the risk.
- Documentation & closing issue commitments applications disclosures and borrower checklists; order and coordinate appraisal title escrow insurance and legal review; review preliminary title for vesting lien priority and exceptions; confirm every funding condition is satisfied or documented before funds release.
- Pipeline leadership & relationships lead daily origination meetings with clear accurate status on every file; maintain complete pipeline and relationship records in ACT; build trust with brokers borrowers and investors through proactive communication; serve as a senior resource mentor newer processors and help refine underwriting templates and closing procedures.
- Compliance confirm business-purpose vs. consumer-purpose classification on every file; ensure adherence to applicable federal and California lending requirements; escalate compliance concerns immediately.
- 57 years in private hard money bridge or commercial lending with direct underwriting and closing experience on $2.5M loans.
- Strong command of borrower/collateral evaluation cash-flow/liquidity review exit strategies and income-property metrics (NOI DSCR cap rates).
- Deep expertise in loan and entity documents title/escrow insurance and closing procedures for complex ownership structures (LLCs LPs trusts).
- Solid understanding of federal and California business-purpose lending regulations.
- Exceptional judgment communication and high-level accuracy with zero margin for error.
- Proficient in mortgage/pipeline systems Excel and Word.
- Bachelors degree in finance Real Estate Business (or equivalent practical experience) preferred.
Compensation may vary outside of this range depending on a number of factors including a candidates qualifications skills competencies and experience and location. Employees have access to healthcare benefits including medical dental and vision as well as a 401(k) plan.
Let one of our recruiters assist you in finding and preparing for interviews with our clients. Whether you are interested in a direct hire temp-to-hire or temporary position Workway can help you to put your best foot forward. Contact us today!
Workway Inc. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender gender identity national origin disability protected veteran status or any other characteristic protected by applicable laws regulations and ordinances. For our complete EEO & Pay Transparency statement please visit . To receive state and federal compliance posters e-mail or call 972.514.1515.
We collect personal information as part of the application and hiring process. For details about the categories of information collected purposes of use and your rights under law please review our Candidate Privacy Act Disclosure Notice: Privacy Policy
#MortgageJobs #PrivateLending #MortgageOperations #SeniorLoanProcessor #MortgageUnderwriter #CommercialLending #RealEstateFinance #LoanOperations #CreditUnderwriting #FinancialServicesJobs #CaliforniaJobs #OrangeCountyJobs #NowHiring #HiringNow #Workway
Required Experience:
Senior IC
