Senior Loan Processor

Job Summary

We are seeking a seasoned Senior Loan Processor for a direct hire opportunity in Laguna Niguel, CA, supporting larger and more complex private-lending transactions secured by premium California real estate. This is a high-impact role for an experienced lending professional who can independently underwrite, process, and close business-purpose mortgage loans ranging from approximately $1.5M to $5M. The ideal candidate brings strong credit judgment, disciplined file ownership, and the confidence to work with sophisticated borrowers, brokers, investors, and internal leadership.

This role offers the opportunity to join a professional, relationship-driven lending environment where speed, accuracy, sound risk management, and proactive communication are highly valued. This is an excellent fit for someone who thrives in a fast-paced private money, hard money, bridge, commercial, or business-purpose lending setting and wants to own transactions from accepted request through funding.

• Independently underwrite, process, and close complex private-lending transactions from accepted commitment through funding.
• Analyze borrower strength, guarantor capacity, liquidity, ownership structure, source and use of proceeds, repayment ability, exit strategy, collateral quality, LTV, LTC, lien priority, and DSCR where applicable.
• Lead borrower and guarantor diligence, including interviews, business-purpose confirmation, entity review, and identification of complex deal issues such as trusts, multiple guarantors, subordinate financing, and cross-collateralization.
• Coordinate commitments, applications, disclosures, borrower checklists, appraisals, title, escrow, insurance, legal review, and final funding conditions.
• Maintain accurate pipeline reporting, provide daily file updates, document activity in CRM systems, and communicate proactively with brokers, borrowers, investors, and internal stakeholders.
• Escalate material credit, collateral, title, closing, or compliance concerns immediately while maintaining complete, accurate files with no preventable closing errors.

• Direct hire opportunity.
• Salary range: $110,000 to $140,000 per year.
• Location:
  
  Laguna Niguel, CA.

• 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.