Loan Processor & Underwriter

Job Summary

We are seeking a seasoned Loan Processor & Underwriter for a direct hire opportunity in Aliso Viejo, CA. This role is ideal for an experienced private lending, hard money, bridge, commercial, or business-purpose mortgage professional who can independently underwrite, process, and close larger, more complex real estate transactions. This position supports high-value California real estate lending, with typical loan sizes ranging from $1.5M to $5M and an expected annual closed origination volume of approximately $150M.

The ideal candidate brings strong credit judgment, disciplined file management, and the ability to move quickly without sacrificing accuracy or investor protection. This is a senior, hands-on role in a fast-paced, relationship-driven lending environment. Candidates who thrive here are decisive, detail-oriented, highly organized, and comfortable working with sophisticated borrowers, brokers, ownership structures, title issues, and closing conditions. The team values responsiveness, accountability, clear communication, and practical problem-solving.

• Independently underwrite private lending transactions by analyzing borrower strength, guarantor support, liquidity, collateral, LTV/LTC, repayment ability, source and use of proceeds, and exit strategy.
• Own each file from accepted request through funding, including borrower diligence, deal structuring, documentation, appraisal, title, escrow, insurance, legal review, and closing coordination.
• Prepare concise credit analyses and recommend approval, revision, or decline with clear supporting rationale.
• Lead borrower and guarantor interviews to confirm character, experience, business purpose, use of proceeds, and transaction complexity.
• Maintain daily pipeline discipline, provide concise file updates, document all activity in the CRM, and support strong broker, borrower, and investor relationships.
• Identify and escalates material credit, collateral, title, documentation, or compliance concerns while maintaining complete files with no preventable closing errors.

• Salary range: $110,000 to $140,000 per year.
• Job type:
  Direct hire.
• Location:
  
  Aliso Viejo, CA.
• For temporary assignments lasting 13 weeks or longer, Apple One is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

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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.