Underwriter
Center Street Lending
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Irvine, CA
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Mid-Senior level
Posted March 13, 2026
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Responsibilities
Commitments
Responsibilities
- Playing an integral role within the Credit team, you will provide direct support to the underwriting manager, mentor junior team members, and serve as a resource to the Sales Team and other operating departments.
- Analyze all loan documents to determine the borrower’s ability to exit the loan while evaluating loan strength through factors such as ROI, DSCR, and After Repair Value.
- Conducting a final integrity analysis to ensure loans meet credit standards, are leverageable, and have crafted analytical narratives highlighting the operator’s ability to exit.
- Structuring loans based on a variety of loan programs offered ensuring that any loans perceived to have risk always have clearly stated and identified mitigants.
- 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 closing.
- Hands-on experience reviewing property profile reports, appraisals, title documentation, financial documentation, credit/background reports, rehab budgets, track records and SREO’s
- Analyze entity documents, be able to recognize nested entities while identifying the key entities relevant to the loan application.
- Analyze appraisals and secondary valuations in depth with special focus on appropriateness of value and comparability.
- Takes initiative with a clear business mind, maintain a healthy level of skepticism while remaining pro-deal minded, a problem-solving attitude and a collaborative approach with appropriate parties before, during and after closing.
- Escalates loan exceptions to management or Committee Credit for review and final decision outside of lending authority or as designated in the lending guidelines.
- Maintains an accurate active pipeline with knowledge of loan details while acting as a Team Player with all internal and external customers.
Commitments
PLEASE ONLY APPLY IF YOU RESIDE IN ORANGE COUNTY, CA.
45 – 60 files closures per month – High volume
Must be able to prioritize time sensitive deadlines ONSITE - IRVINE, CA Education:
Company Offsite Events
Not Met Priorities
What still needs stronger evidence
Requirements
- 3-5 years of recent preferred experience in underwriting business purpose bridge or construction loans in compliance with credit guidelines.
- Private/RTL/DSCR Lending and a Real estate background required.
- Ability to calculate ROI, DSCR, NOI, Debt Yield and leverage ratios such as LTARV and LTC (added 5/7/2025)
- Familiarity with fair lending practices and an understanding of the Fair Credit Reporting Act and lending industry guidelines
- Detailed knowledge of loan processing, underwriting, and closing procedures; proficiency in Outlook, Excel, Word (Microsoft)
- Expertise in the use of loan underwriting, processing, and management software
- 45 – 60 files closures per month – High volume
- Must be able to prioritize time sensitive deadlines ONSITE - IRVINE, CA Education:
Preferred Skills
- 3-5 years of recent preferred experience in underwriting business purpose bridge or construction loans in compliance with credit guidelines.
- Private lending experience preferred
- Encompass - preferred
- Expertise in the use of loan underwriting, processing, and management software
- 45 – 60 files closures per month – High volume
- Must be able to prioritize time sensitive deadlines ONSITE - IRVINE, CA Education:
Education
- (Not required) – Bachelor’s degree preferred.
RTL/DSCR UNDERWRITER Center Street Lending is one of the largest lenders for residential transition (fix/flip) and ground up loans for residential investors. Since its founding in 2010, Center Street has originated over $6.5 billion of fix/flip, ground-up, bridge and multi-family loans across 40 states. Center Street Lending provides expert guidance, fast approvals, speedy funding, and personalized in-house service that helps it retain one of the highest customer satisfaction ratings in the industry with 4.8/5.0 google stars. We provide tailored financial solutions designed to meet the unique needs of real estate developers and residential investors. Center Street Lending is proud to be a registered “Great Place to Work”, listed on the 2025 #Inc 5000 list of fastest growing companies and featured in Scotsman Guide’s Top Lenders publication since 2023. Website: www.centerstreetlending.com THIS IS AN ONSITE OPPORTUNITY IN IRVINE. PLEASE ONLY APPLY IF YOU RESIDE IN ORANGE COUNTY, CA. Responsibilities:
Playing an integral role within the Credit team, you will provide direct support to the underwriting manager, mentor junior team members, and serve as a resource to the Sales Team and other operating departments.
Analyze all loan documents to determine the borrower’s ability to exit the loan while evaluating loan strength through factors such as ROI, DSCR, and After Repair Value.
Conducting a final integrity analysis to ensure loans meet credit standards, are leverageable, and have crafted analytical narratives highlighting the operator’s ability to exit.
Structuring loans based on a variety of loan programs offered ensuring that any loans perceived to have risk always have clearly stated and identified mitigants.
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 closing.
Hands-on experience reviewing property profile reports, appraisals, title documentation, financial documentation, credit/background reports, rehab budgets, track records and SREO’s
Analyze entity documents, be able to recognize nested entities while identifying the key entities relevant to the loan application.
Analyze appraisals and secondary valuations in depth with special focus on appropriateness of value and comparability.
Takes initiative with a clear business mind, maintain a healthy level of skepticism while remaining pro-deal minded, a problem-solving attitude and a collaborative approach with appropriate parties before, during and after closing.
Escalates loan exceptions to management or Committee Credit for review and final decision outside of lending authority or as designated in the lending guidelines.
Maintains an accurate active pipeline with knowledge of loan details while acting as a Team Player with all internal and external customers. Qualifications:
3-5 years of recent preferred experience in underwriting business purpose bridge or construction loans in compliance with credit guidelines.
Private/RTL/DSCR Lending and a Real estate background required.
Ability to calculate ROI, DSCR, NOI, Debt Yield and leverage ratios such as LTARV and LTC (added 5/7/2025)
Private lending experience preferred
Familiarity with fair lending practices and an understanding of the Fair Credit Reporting Act and lending industry guidelines
Detailed knowledge of loan processing, underwriting, and closing procedures; proficiency in Outlook, Excel, Word (Microsoft)
Encompass - preferred
Expertise in the use of loan underwriting, processing, and management software
45 – 60 files closures per month – High volume
Must be able to prioritize time sensitive deadlines ONSITE - IRVINE, CA Education:
Bachelor’s degree preferred. Compensation:
$36.06 - $43.27 Hourly Benefits:
Paid time off/401k plan/Company Events
Health insurance/Dental Insurance/Vision
Company Offsite Events
Playing an integral role within the Credit team, you will provide direct support to the underwriting manager, mentor junior team members, and serve as a resource to the Sales Team and other operating departments.
Analyze all loan documents to determine the borrower’s ability to exit the loan while evaluating loan strength through factors such as ROI, DSCR, and After Repair Value.
Conducting a final integrity analysis to ensure loans meet credit standards, are leverageable, and have crafted analytical narratives highlighting the operator’s ability to exit.
Structuring loans based on a variety of loan programs offered ensuring that any loans perceived to have risk always have clearly stated and identified mitigants.
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 closing.
Hands-on experience reviewing property profile reports, appraisals, title documentation, financial documentation, credit/background reports, rehab budgets, track records and SREO’s
Analyze entity documents, be able to recognize nested entities while identifying the key entities relevant to the loan application.
Analyze appraisals and secondary valuations in depth with special focus on appropriateness of value and comparability.
Takes initiative with a clear business mind, maintain a healthy level of skepticism while remaining pro-deal minded, a problem-solving attitude and a collaborative approach with appropriate parties before, during and after closing.
Escalates loan exceptions to management or Committee Credit for review and final decision outside of lending authority or as designated in the lending guidelines.
Maintains an accurate active pipeline with knowledge of loan details while acting as a Team Player with all internal and external customers. Qualifications:
3-5 years of recent preferred experience in underwriting business purpose bridge or construction loans in compliance with credit guidelines.
Private/RTL/DSCR Lending and a Real estate background required.
Ability to calculate ROI, DSCR, NOI, Debt Yield and leverage ratios such as LTARV and LTC (added 5/7/2025)
Private lending experience preferred
Familiarity with fair lending practices and an understanding of the Fair Credit Reporting Act and lending industry guidelines
Detailed knowledge of loan processing, underwriting, and closing procedures; proficiency in Outlook, Excel, Word (Microsoft)
Encompass - preferred
Expertise in the use of loan underwriting, processing, and management software
45 – 60 files closures per month – High volume
Must be able to prioritize time sensitive deadlines ONSITE - IRVINE, CA Education:
Bachelor’s degree preferred. Compensation:
$36.06 - $43.27 Hourly Benefits:
Paid time off/401k plan/Company Events
Health insurance/Dental Insurance/Vision
Company Offsite Events