Loan Underwriter

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Job description

Center Street Lending is a private money lender that specializes in providing short term financing for entrepreneurs to purchase homes to help build their communities. The homes will be renovated and move-in ready for buyers who will have the option to obtain various traditional mortgage financing. CSL offers a variety of loan products including fix & flip, ground up & tear down construction, bridge and short-term rental loans. We will be expanding products to include commercial mixed use, multi-family 5+ units and Business Purpose Lines of Credit.

***Please only apply if you are an Orange County, CA local resident and the position is for in-office candidates only. This position is not a remote position.***

Applicants with this experience are encouraged to apply. The day-to-day responsibilities are as follows:

• Provide excellent customer service and communication in a fast-paced environment.
• Act as a Team Player with Loan Processors, Sales Partners and external customers, with an obsession to delivery high quality service.
• Underwrite loans by performing a thorough due diligence analysis and reviewing loan documentation by adhering to company policies, procedures, lending guidelines, structuring loans based on a variety of loan programs offered.
• Analyze all loan documents including appraisal, assets, personal and/or business financials, credit, background, escrow, purchase contract, construction/budget documents and preliminary title reports ensuring acceptance and final loan decision meets products and lending guidelines prior to clear to close and funding.
• Take initiative with a clear business mind providing problem-solving solutions with a collaborative approach while working with appropriate parties associated with the loan, before, during and after closing.
• Escalate loan exceptions to management for review and final decision.
• Review loans for completeness, accuracy, compliance and raise potential risks and concern, including deficiencies in funding.
• Create and issue independent compliant loan approval decisions
• Maintain an accurate active pipeline with knowledge of loan details.
• Manage pipeline efficiently with minimal oversight and maintain SLAs.

Benefits offered:

· Paid time off

· Health insurance

· Dental insurance

· Vision

· 401k plan